0000719731 us-gaap:SeriesCPreferredStockMember 2011-09-30 0000719731 us-gaap:SeriesBPreferredStockMember 2011-09-30 0000719731 us-gaap:SeriesAPreferredStockMember 2011-09-30 0000719731 us-gaap:SeriesCPreferredStockMember 2010-12-31 0000719731 us-gaap:SeriesBPreferredStockMember 2010-12-31 0000719731 us-gaap:SeriesAPreferredStockMember 2010-12-31 0000719731 2010-09-30 0000719731 2009-12-31 0000719731 2011-09-30 0000719731 2010-12-31 0000719731 2011-07-01 2011-09-30 0000719731 2010-07-01 2010-09-30 0000719731 2010-01-01 2010-09-30 0000719731 2011-10-31 0000719731 2011-01-01 2011-09-30 iso4217:USD xbrli:shares iso4217:USD xbrli:shares false --12-31 Q3 2011 2011-09-30 10-Q 0000719731 2303107 Smaller Reporting Company HERITAGE BANKSHARES INC /VA 29000 11000 37000 12000 34000 42000 1442000 2011000 71000 39000 57000 25000 1087000 859000 439000 4000 71000 679000 Note 8 –TARP Program Repayment and Participation in Small Business Loan Fund Program In March 2011, consistent with its strategic plan and with the approval of the U.S. Treasury, the Company repaid $2.6 million, or 25%, of its outstanding preferred stock issued in September 2009 in connection with the Company's participation in the TARP Capital Purchase Program (the "TARP Program"), with a resulting decrease in net income available to common shareholders of $57,000 from the accelerated accretion of a portion of the discount on its outstanding TARP Program preferred stock. On August 11, 2011, the Company completed a $7.8 million investment transaction under the Small Business Lending Fund program (the "SBLF Program"). The SBLF Program is a voluntary program authorized under the Small Business Jobs Act of 2010 which established a $30 billion fund from which the Treasury can make capital investments in eligible institutions; the capital investments, in turn, are designed to increase the availability of credit for small businesses and promote economic growth by providing capital to qualified community banks at favorable rates. Simultaneously with its closing of the SBLF Program transaction, the Company used the SBLF Program investment proceeds to redeem (repay) the full remaining balance of $7.8 million of shares of TARP Program preferred stock held by the Treasury, thereby satisfying its remaining financial obligations under and otherwise ending its participation in the TARP Program. In the SBLF Program transaction, the Company issued to the Secretary of the Treasury 7,800 shares of a newly‑created series of preferred stock. For the initial 2.5 years after the SBLF Program investment, the dividend rate payable on the SBLF Program preferred stock will fluctuate between 1% and 5% per year to reflect changes in the Bank's level of "qualified small business lending" as compared to an initial baseline level. Following this initial period and continuing through 4.5 years after the SBLF Program investment, the dividend rate will be fixed at between 1% and 7% based on the Bank's qualified small business lending at that time, as compared to the initial baseline; however, the dividend rate increases to 7% only if the Bank's rate of small business lending stays the same or decreases relative to the baseline. Based on the Bank's initial level of small business lending compared to the baseline, the SBLF Program preferred stock carried a 5% dividend rate during the third quarter of 2011. However, due to recent increases in qualified loans, the Company currently expects that the dividend rate will decrease to 1% for the fourth quarter of 2011. Any such rate reduction would have a positive effect on the Company's net income available to common stockholders. As noted above, subsequent dividend rates on the SBLF Program preferred stock will depend on the Bank's level of qualified small business lending.In light of consummation of the SBLF Program investment transaction and simultaneous repayment of its remaining TARP Program investment, the Company has accelerated the accretion of its TARP Program preferred stock discount, which was $153,000 as of June 30, 2011, thereby reducing net income available to common stockholders by that amount in the third quarter of 2011 but eliminating any future accretion of the TARP Program preferred stock discount. 259000 88000 252000 86000 25000

412000

400000

6658000

6681000

-266000

-242000

267088000

297817000

17368000

41834000

Note 6 – Securities <table style="width: 498.8pt; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="665"> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> Amortized Cost </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> Gross Unrealized Gains </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap"> Gross Unrealized Losses </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap"> Fair Value </td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 306.55pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="409" colspan="4" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap"> At September 30, 2011</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap">  </td></tr> <tr style="height: 22.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap"> Securities available for sale</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap">  </td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap"> U.S. Treasury notes</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> $                           2,004</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $                39</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap"> $                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap"> $            2,043</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap"> U.S. Government agencies</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap">                29,000</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">                 125</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap">                     65</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap">             29,060</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap"> Mortgage-backed securities</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap">                10,224</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">                 507</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap">                       --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap">             10,731</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap"> Total securities available for sale</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> $                            41,228</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $             671</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap"> $                         65</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap"> $         41,834</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 192.25pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="256" nowrap="nowrap"> Total securities (1)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> $            41,228</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.8pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $             671</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73.2pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="98" nowrap="nowrap"> $                         65</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 78.5pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap"> $         41,834</td></tr></table>   <table style="width: 500.8pt; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="668"> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.7in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="259" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> Amortized Cost </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> Gross Unrealized Gains </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> Gross Unrealized Losses </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 81.4pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="109" nowrap="nowrap"> Fair Value </td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.7in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="259" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 306.4pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="409" colspan="4" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.7in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="259" nowrap="nowrap"> At December 31, 2010</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.4pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="109" nowrap="nowrap">  </td></tr> <tr style="height: 22.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.7in; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="259" nowrap="nowrap"> Securities available for sale</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.4pt; padding-right: 5.4pt; height: 22.5pt; padding-top: 0in;" valign="bottom" width="109" nowrap="nowrap">  </td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.7in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="259" nowrap="nowrap"> Mortgage-backed securities</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> $             16,744</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $             624</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.4pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="109" nowrap="nowrap"> $             17,368</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.7in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="259" nowrap="nowrap"> Total securities available for sale</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> $                            16,744</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $             624</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="109" nowrap="nowrap"> $             17,368</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.7in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="259" nowrap="nowrap"> Total securities (1)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> $            16,744</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $             624</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="109" nowrap="nowrap"> $             17,368</td></tr></table>     (1) At September 30, 2011 and at December 31, 2010, the Company held no securities classified as held to maturity.   The following table shows gross unrealized losses and fair value on investment securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2011. Current year unrealized losses on investment securities, if any, are a result of changes in interest rates during the periods. Unrealized losses on investment securities, if any, are considered by management to be temporary given the credit ratings on these investment securities and the short duration of any unrealized loss due to credit quality. <div align="center"> <table style="border-bottom: medium none; border-left: medium none; width: 574.9pt; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt; border-top: medium none; border-right: medium none;" class="MsoNormalTable" border="1" cellspacing="0" cellpadding="0" width="767"> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 294.85pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" width="393" colspan="5">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 133.35pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" width="178" colspan="4"> At September 30, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 146.15pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" width="195" colspan="5">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;" width="1">  </td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 140.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="187" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 144.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="193" colspan="3" nowrap="nowrap"> Less Than 12 Months</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" colspan="2" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 132.45pt; padding-right: 5.75pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="177" colspan="4" nowrap="nowrap"> 12 Months or More</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 132.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="176" colspan="3" nowrap="nowrap"> Total</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; border-top: medium none; border-right: medium none;" width="1">  </td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 140.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="187" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 434.7pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="580" colspan="14" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 24pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 140.2pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="187" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 68.75pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="92"> Fair Value</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.5pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="18">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 62.25pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="83"> Unrealized Losses</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" colspan="2" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 60.35pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="80" nowrap="nowrap"> Fair Value</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.9pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="19" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" colspan="2"> Unrealized Losses</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 61.5pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="82"> Fair Value</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 24pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78"> Unrealized Losses</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;" width="1">  </td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 140.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="187" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 68.75pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="18" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 62.25pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" colspan="2" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 60.35pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="80" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.9pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="19" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" colspan="2" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 61.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="82" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;" width="1">  </td></tr> <tr style="height: 1pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 140.2pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="187"> U.S. Government agencies</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 68.75pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="92" nowrap="nowrap"> $        9,935</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="18" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 62.25pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="83" nowrap="nowrap"> $               65</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" colspan="2" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 60.35pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="80" nowrap="nowrap"> $                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.9pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="19" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" colspan="2" nowrap="nowrap"> $              --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 61.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="82" nowrap="nowrap"> $         9,935</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" nowrap="nowrap"> $           65</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;" width="1">  </td></tr> <tr style="height: 1pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 140.2pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="187"> Mortgage-backed securities </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 68.75pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="92" nowrap="nowrap">                   --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="18" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 62.25pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="83" nowrap="nowrap">                    --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" colspan="2" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 60.35pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="80" nowrap="nowrap">                    --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.9pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="19" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" colspan="2" nowrap="nowrap">                 --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 61.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="82" nowrap="nowrap">                    --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 1pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" nowrap="nowrap">                 --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;" width="1">  </td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 140.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="187" nowrap="nowrap"> Total temporarily impaired securities</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 68.75pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="92" nowrap="nowrap"> $        9,935</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="18" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 62.25pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="83" nowrap="nowrap"> $               65</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" colspan="2" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 60.35pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="80" nowrap="nowrap"> $                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 13.9pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="19" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" colspan="2" nowrap="nowrap"> $              --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 61.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="82" nowrap="nowrap"> $         9,935</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 12.5pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="17" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.75pt; width: 58.2pt; padding-right: 5.75pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 2.15pt;" valign="bottom" width="78" nowrap="nowrap"> $           65</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 0in; padding-right: 0in; border-top: medium none; border-right: medium none; padding-top: 0in;" width="1">  </td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="187"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="92"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="18"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="83"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="14"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="3"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="80"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="19"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="76"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="2"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="17"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="82"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="17"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="78"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="1"> </td></tr></table></div>   There were no investment securities with unrealized losses at December 31, 2010. The amortized cost and fair value of investment securities at September 30, 2011, by contractual maturity, are reflected below. Actual maturities will differ from contractual maturities because some securities may be called or prepaid prior to their contractual maturity. <div align="center"> <table style="width: 307.15pt; border-collapse: collapse; font-family: 'Calibri','sans-serif'; margin-left: 5.4pt; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="410"> <tr style="height: 11.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 11.25pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 140.3pt; padding-right: 5.4pt; height: 11.25pt; padding-top: 0in;" valign="bottom" width="187" colspan="2" nowrap="nowrap"> Securities Available for Sale</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 140.3pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="187" colspan="2"> (in thousands)</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 79.1pt; padding-right: 5.4pt; height: 14.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap"> Amortized Cost</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 14.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="82" nowrap="nowrap"> Fair Value</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap"> Due in one year or less</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 79.1pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap"> $                      --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="82" nowrap="nowrap"> $                 --</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap"> Due after one year through five years</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 79.1pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap">                 8,626</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="82" nowrap="nowrap">             8,975</td></tr> <tr style="height: 14.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap"> Due after five years through ten years</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 79.1pt; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap">               32,602</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 14.25pt; padding-top: 0in;" valign="bottom" width="82" nowrap="nowrap">          32,859</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap"> Due after ten years</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 79.1pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="82" nowrap="nowrap">                    --</td></tr> <tr style="height: 16.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 166.85pt; padding-right: 5.4pt; height: 16.5pt; padding-top: 0in;" valign="bottom" width="222" nowrap="nowrap"> Total</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 79.1pt; padding-right: 5.4pt; height: 16.5pt; padding-top: 0in;" valign="bottom" width="105" nowrap="nowrap"> $            41,228</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 16.5pt; padding-top: 0in;" valign="bottom" width="82" nowrap="nowrap"> $       41,834</td></tr></table></div>   There were no sales of securities available for sale in the third quarter of 2011, and gross proceeds from sales of securities available for sale were $6,005,000 for the nine month period ended September 30, 2011. Gross realized gains associated with these sales were $87,000; there have been no gross losses during 2011. Gross proceeds from sales of securities available for sale in the quarter ended September 30, 2010 were $28,208,000, accumulating to $38,361,000 for the nine months ended September 30, 2010. Gross realized gains associated with these sales were $278,000 and $764,000, respectively, for the quarter and nine months ended September 30, 2010. Gains and losses on the sale of investment securities are recorded as of the trade date and are determined using the specific identification method.

13000

8636000

9036000

3056000

5727000

22004000

30640000

16380000

25416000

2260000

249000

0.18

0.06

0.18

0.06

6000000

2307502

2303107

2307502

2303107

11538000

11516000

77000

30000

90000

30000

Note 3 – Other Comprehensive Income (Loss) The components of the Company's other comprehensive income (loss) and related tax effects are as follows: <div align="center"> <table style="width: 528.5pt; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="705"> <tr style="height: 4.3pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 4.3pt; padding-top: 0in;" valign="top" width="321">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 143.8pt; padding-right: 5.4pt; height: 4.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="192" colspan="2" nowrap="nowrap"> Three Months Ended</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 143.8pt; padding-right: 5.4pt; height: 4.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="192" colspan="2"> Nine Months Ended</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96" nowrap="nowrap"> September 30, 2011</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96"> September 30, 2010</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96"> September 30, 2011</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96"> September 30, 2010</td></tr> <tr style="height: 0.1in;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 287.6pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="top" width="383" colspan="4" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 0.1in;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Unrealized holding gains on available-for-sale securities</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $          191</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96"> $          50</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96"> $      69</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96"> $      389</td></tr> <tr style="height: 0.1in;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Realized gains on sales of available-for-sale securities</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96">         (278)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96">        (87)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96">        (764)</td></tr> <tr style="height: 0.1in;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Tax effect on realized gains</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96">             94</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96">          29</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="96">          259</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Tax effect on unrealized gains</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">              (65)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="96">           (17)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="96">        (23)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="96">        (132)</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Other comprehensive income (loss), net of tax</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $          126</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96"> $     (151)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96"> $     (12)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96"> $     (248)</td></tr></table></div>

31000

28000

224102000

257596000

674000

451000

Note 2 – Share-Based Compensation The following table presents a summary of stock option activity for the period of January 1, 2011 through September 30, 2011. <div align="center"> <table style="border-bottom: medium none; border-left: medium none; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 36.25pt; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="1" cellspacing="0" cellpadding="0" width="647"> <tr style="height: 1.4pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="252">  </td> <td style="border-bottom: windowtext 1.5pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="88"> Shares</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: windowtext 1.5pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="80"> Weighted Average Exercise Price</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: windowtext 1.5pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="93"> Weighted Average Remaining Term (Years)</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: windowtext 1.5pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="86"> Aggregate Intrinsic Value</td></tr> <tr style="height: 1.4pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="252">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="88">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="80">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="93">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86"> (in thousands)</td></tr> <tr style="height: 1.4pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="252"> Outstanding at January 1, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="88">      241,400</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="80">   $     12.62</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="93">                    --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">                  --</td></tr> <tr style="height: 1.4pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="252"> Granted</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="88">                  --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="80">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="93">                    --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 1.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">                  --</td></tr> <tr style="height: 2.8pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="252"> Exercised</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="88">                  --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="80">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="93">                    --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">                  --</td></tr> <tr style="height: 2.8pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="252"> Forfeited/expired</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="88">          3,600</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="80">          13.63</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="93">                    --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">                  --</td></tr> <tr style="height: 2.8pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="252"> Outstanding at September 30, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="88">      237,800</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="80">   $     12.61</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="93">                  4.9</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">   $        172</td></tr> <tr style="height: 2.8pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 189.15pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="252"> Exercisable at September 30, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 66pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="88">      211,400</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.7pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="80">   $     12.68</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 69.9pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="93">                  4.8</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 64.75pt; padding-right: 5.4pt; height: 2.8pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">   $        147</td></tr></table></div>   The aggregate intrinsic value in the table above represents the total pre-tax intrinsic value (the difference between the Company's closing stock price on the last trading day of the quarter and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all option holders exercised their options on September 30, 2011. The amount changes based on the fair market value of the Company's common stock, as reflected by stock market prices. The Company's current policy is to issue new shares of common stock to satisfy option exercises. There were no options exercised during the nine months ended September 30, 2011. The aggregate intrinsic value of options exercised during the nine months ended September 30, 2010 was $91,686. Cash received from exercises of options during the first nine months of 2010 was $93,050. The amount charged against income, before income tax benefit of $1,423, in relation to stock‑based payment arrangements was $67,642 for the nine months ended September 30, 2011. The amount charged against income, before income tax benefit of $8,114, in relation to stock‑based payment arrangements was $106,038 for the nine months ended September 30, 2010. At September 30, 2011, unrecognized compensation expense, net of estimated forfeitures, related to unvested stock option grants was $38,658 and is currently expected to be recognized over a weighted average period of 0.6 years as follows: <table style="border-bottom: medium none; border-left: medium none; width: 484.65pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="1" cellspacing="0" cellpadding="0" width="646"> <tr><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 412.15pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="550"> At September 30, 2011: </td> <td style="border-bottom: windowtext 1.5pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 72.5pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="97"> Stock-Based Compensation Expense</td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 412.15pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="550">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 72.5pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="97"> (in thousands)</td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 412.15pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="550">         2011……………………………………………………………………………………………….</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 72.5pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="97"> $          17          </td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 412.15pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="550">         2012……………………………………………………………………………………………….</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 72.5pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="97">             18</td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 412.15pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="550">         2013……………………………………………………………………………………………….</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 72.5pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="97">                4</td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 412.15pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="550"> Total</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 72.5pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="97"> $          39</td></tr></table>

0.44

0.22

0.49

0.13

0.44

0.22

0.49

0.13

Note 4 – Earnings Per Common Share Reconciliation The Company's basic and diluted earnings per common share calculations are presented in the following table: <div align="center"> <table style="width: 528.5pt; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="705"> <tr style="height: 4.3pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 4.3pt; padding-top: 0in;" valign="top" width="321">  </td> <td style="border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 143.8pt; padding-right: 5.4pt; height: 4.3pt; padding-top: 0in;" valign="bottom" width="192" colspan="2" nowrap="nowrap"> Three Months Ended </td> <td style="border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 143.8pt; padding-right: 5.4pt; height: 4.3pt; padding-top: 0in;" valign="bottom" width="192" colspan="3"> Nine Months Ended</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96" nowrap="nowrap"> September 30, 2011</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96"> September 30, 2010</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96" colspan="2"> September 30, 2011</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="96"> September 30, 2010</td></tr> <tr style="height: 0.1in;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 287.6pt; padding-right: 5.4pt; height: 0.1in; padding-top: 0in;" valign="top" width="383" colspan="5" nowrap="nowrap"> (in thousands, except share and per share data)</td></tr> <tr style="height: 11.7pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Net income available to common stockholders (numerator, basic and diluted) </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $          296</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="96"> $          501</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="95"> $      1,137</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="97" colspan="2"> $      1,021</td></tr> <tr style="height: 11.7pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Weighted average common shares outstanding (denominator)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> 2,303,107</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="96"> 2,307,141</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="95"> 2,305,652</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="97" colspan="2"> 2,300,109</td></tr> <tr style="height: 11.7pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Earnings per common share - basic</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $         0.13</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="96"> $         0.22</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="95"> $        0.49</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 11.7pt; padding-top: 0in;" valign="bottom" width="97" colspan="2"> $        0.44</td></tr> <tr style="height: 10.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 10.35pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Effect of dilutive securities</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 10.35pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 10.35pt; padding-top: 0in;" valign="bottom" width="96">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 10.35pt; padding-top: 0in;" valign="bottom" width="95">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 10.35pt; padding-top: 0in;" valign="bottom" width="97" colspan="2">  </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Weighted average common shares outstanding during the period</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> 2,303,107</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96"> 2,307,141</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="95"> 2,305,652</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="97" colspan="2"> 2,300,109</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Effect of dilutive stock options</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">        13,441</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96">        5,962</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="95">         11,246</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="97" colspan="2">         5,991</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Weighted diluted average common shares outstanding (denominator) during the period</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap">   2,316,548</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96">   2,313,103</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="95">   2,316,898</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="97" colspan="2"> 2,306,100</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 240.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="321" nowrap="nowrap"> Earnings per common share – assuming dilution</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96" nowrap="nowrap"> $          0.13</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.9pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="96"> $          0.22</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 71.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="95"> $       0.49</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="97" colspan="2"> $       0.44</td></tr></table></div>

442000

141000

438000

142000

Note 5 – Disclosure About Fair Value of Financial Instruments The following summary presents an estimate of the fair value of the Company's financial instruments. Because no active market readily exists for a portion of the Company's financial instruments, fair values of some financial instruments are based on estimates using present value and other valuation techniques. Much of the information used to determine fair value is highly subjective in nature and therefore the results may not be precise. The subjective factors include, among other things, estimates of cash flows, risk characteristics, credit quality and interest rates, all of which are subject to change. Accordingly, the amounts that will actually be realized or paid upon settlement or maturity of the various instruments could be significantly different. The following table presents the carrying amounts and fair value of the Company's financial instruments at September 30, 2011 and December 31, 2010. <table style="border-collapse: collapse; font-family: 'Calibri','sans-serif'; margin-left: 5.4pt; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="646"> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 121pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="161" colspan="2"> At September 30, 2011</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 121.2pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="162" colspan="2"> At December 31, 2010</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="81"> Carrying Amount</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="bottom" width="81"> Fair Value</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="83"> Carrying Amount</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="79"> Fair Value</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="323">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323" colspan="4"> (Dollars in Thousands)</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="323">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 121pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="161" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 121.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="162" colspan="2">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="323"> Financial assets:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="83">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="79">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="323"> Cash, due from banks and interest‑bearing deposits at other banks</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81"> $                    25,385</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81"> $                    25,385</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83"> $                    15,979</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79"> $                    15,979</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Federal funds sold</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">                 31</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">                 31</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">               401</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">               401</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Certificates of deposit in other banks</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               249</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               249</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">            2,260</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">            2,260</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Securities available for sale</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">          41,834</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">          41,834</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="83">          17,368</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="79">          17,368</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Loans held for investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">        214,342</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">        218,671</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="83">        214,342</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="79">        217,450</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Accrued interest receivable</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               717</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               717</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="83">               668</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="79">               668</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Stock in FRB and FHLB</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">            1,685</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">            1,685</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="83">            2,360</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="79">            2,360</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Bank-owned life insurance</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               597</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               597</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="83">               584</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="79">               584</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Other financial assets</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               197</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">               197</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="83">               148</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="79">               148</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Financial liabilities:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">  </td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Deposits</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">        257,596</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">        257,872</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">        224,102</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">        224,337</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Securities sold under agreements to repurchase</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">            1,545</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="81">            1,545</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">            2,378</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">            2,378</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Other borrowings</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">               859</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">               888</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">            1,087</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">            1,104</td></tr> <tr><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 242pt; padding-right: 5.4pt; padding-top: 0in;" valign="top" width="323"> Accrued interest payable</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">                 94</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60.5pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="81">                 94</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="83">               100</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.2pt; padding-right: 5.4pt; padding-top: 0in;" valign="bottom" width="79">               100</td></tr></table>   Fair Value Hierarchy "Fair Value Measurements and Disclosures" establishes three levels of inputs that may be used to measure fair value: Level 1: Valuation is based on quoted prices in active markets for identical assets or liabilities. Level 2: Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. Level 3: Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Investment Securities Available for Sale Investment securities available for sale are recorded at fair value on a recurring basis. Fair value is measured by quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security's credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 2 securities include Treasury notes and bills, mortgage-backed securities issued by government sponsored entities, municipal bonds and other securities issued by government sponsored agencies. Loans The Company does not record loans at fair value on a recurring basis. From time to time, a loan is considered impaired. Loans that are deemed to be impaired are valued in accordance with guidance related to receivables. The fair value of impaired loans is estimated using one of several methods, including collateral value, liquidation value and discounted cash flows. When the fair value of collateral is based on an observable market price or a current appraised value, the Company records the impaired loan as Level 2. If the fair value of the loan is based on criteria other than observable market prices or current appraised value, the loan is recorded as Level 3. Other Real Estate Owned Foreclosed assets are adjusted to fair value upon transfer of the loans to foreclosed assets. Foreclosed assets are carried at the lower of the carrying value or fair value. Once management's intentions change regarding the utilization of its own property, that property is transferred to other real estate owned at fair value. Fair value is based upon independent observable market prices or appraised values of the collateral, which the Company considers to be Level 2 inputs. Other Financial Assets Other financial assets are recorded at fair value on a recurring basis. Fair value is based on quoted market prices which are considered to be Level 2 inputs. General The Company has no liabilities carried at fair value or measured at fair value on a recurring or nonrecurring basis The Company has no assets or liabilities whose fair values are measured using Level 3 inputs. <table style="border-collapse: collapse; font-family: 'Calibri','sans-serif'; margin-left: 3.9pt; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 439.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="586" colspan="8"> Assets Recorded at Fair Value on a Recurring Basis </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2"> September 30, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2"> in thousands</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83"> Total</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2"> Level 1</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2"> Level 2</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68"> Level 3</td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2"> Investment in securities available for sale</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2"> U.S. Treasury notes</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83"> $     2,043</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2">                 $        2,043</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68"> $           --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2"> U.S. Government agencies</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83">                        29,060</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2">                        29,060</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68">              --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2"> Mortgage-backed securities</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83">                        10,731</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2">                        10,731</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68">              --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2"> Other financial assets</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83">                              197</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2">                              197</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68">              --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2"> Total Assets at Fair Value</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83"> $   42,031</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2"> $   42,031</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68"> $           --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="85" colspan="3">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="76">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="82">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="70" colspan="2">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="274"> December 31, 2010</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="85" colspan="3">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="76">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="82">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="70" colspan="2">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274"> in thousands</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="85" colspan="3"> Total</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76"> Level 1</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="82"> Level 2</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="70" colspan="2"> Level 3</td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="274"> Investment in securities available for sale</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="85" colspan="3">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="76">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="82">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="70" colspan="2">  </td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="274"> Mortgage‑backed securities</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="85" colspan="3"> $    17,368</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="76"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="82"> $    17,368</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="70" colspan="2"> $           --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="274"> Other financial assets</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="85" colspan="3">             148</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="76">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="82">             148</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="70" colspan="2">              --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="274"> Total Assets at Fair Value</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="85" colspan="3"> $    17,516</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="76"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="82"> $    17,516</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="70" colspan="2"> $           --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="85" colspan="3">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="76">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="82">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="70" colspan="2">  </td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 439.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="586" colspan="8">  </td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 439.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="586" colspan="8"> Assets Recorded at Fair Value on a Non-Recurring Basis</td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2"> September 30, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2"> in thousands</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83"> Total</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2"> Level 1</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2"> Level 2</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68"> Level 3</td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274" colspan="2"> Impaired loans</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83"> $   1,410</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77" colspan="2"> $           --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="83" colspan="2"> $   1,410</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68"> $           --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2"> Other real estate owned</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83">          288</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2">          288</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68">              --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2"> Total Assets at Fair Value</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83"> $   1,698</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2"> $   1,698</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68"> $           --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 205.8pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="274" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.7pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="77" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="83" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 51.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="85" colspan="3">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="82">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="70" colspan="2">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274"> December 31, 2010</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="85" colspan="3">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="82">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="70" colspan="2">  </td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="274"> in thousands</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="85" colspan="3"> Total</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76"> Level 1</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="82"> Level 2</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="70" colspan="2"> Level 3</td></tr> <tr style="height: 12.35pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="274"> Other real estate owned</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="85" colspan="3"> $         263</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="76"> $              --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="82"> $         263</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="70" colspan="2"> $            --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="274"> Total Assets at Fair Value</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 63.45pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="85" colspan="3"> $         263</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.15pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="76"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 0.85in; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="82"> $         263</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 52.3pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="70" colspan="2"> $            --</td></tr></table>

246000

99000

137000

37000

401000

31000

1773000

1094000

587000

591000

344000

113000

259000

87000

-3000

764000

278000

87000

-49000

-30000

-1000

-30000

2259000

994000

2560000

847000

913000

1079000

799000

346000

861000

299000

56000

3000

-201000

3000

4452000

33494000

411000

-833000

5991

5962

11246

13441

419000

143000

435000

148000

8683000

3175000

9169000

3063000

7340000

2710000

8543000

2833000

138794000

165270000

12923000

19658000

1191000

420000

959000

319000

124000

57000

36000

10000

1067000

363000

923000

309000

7155000

2577000

8166000

2711000

7492000

2755000

8210000

2744000

1000

1216000

422000

514000

193000

1196000

965000

100000

94000

668000

717000

3358000

1078000

3283000

1090000

229508000

261965000

267088000

297817000

2090000

2153000

214342000

Note 7 – Loans held for investment, net Loans at the dates indicated consisted of the following: <table style="width: 462pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 10.9pt; font-size: 10pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="616"> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 12.95pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> September 30, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.95pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.95pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="bottom" width="103" nowrap="nowrap"> December 31, 2010</td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="220" colspan="3" nowrap="nowrap"> (in thousands) </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> $            35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="103" nowrap="nowrap"> $            37,354</td></tr> <tr style="height: 8.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.35pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.35pt; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">             112,576</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.35pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.35pt; padding-top: 0in;" valign="bottom" width="103" nowrap="nowrap">             101,080</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">               52,613</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="103" nowrap="nowrap">               55,694</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">               11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="103" nowrap="nowrap">               18,389</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                  4,590</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="103" nowrap="nowrap">                  3,915</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Total loans</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" width="102" nowrap="nowrap">             216,495</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" width="103" nowrap="nowrap">             216,432</td></tr> <tr style="height: 15.05pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 15.05pt; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Allowance for loan losses</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 15.05pt; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                (2,153)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 15.05pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 15.05pt; padding-top: 0in;" valign="bottom" width="103" nowrap="nowrap">                (2,090)</td></tr> <tr style="height: 0.3in;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 0.3in; padding-top: 0in;" width="396" nowrap="nowrap"> Loans, net(1) </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 0.3in; padding-top: 0in;" width="102" nowrap="nowrap"> $          214,342</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 0.3in; padding-top: 0in;" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 0.3in; padding-top: 0in;" width="103"> $          214,342</td></tr></table>   (1) Loans amounts are presented net of unearned fees and costs for September 30, 2011 and December 31, 2010. Nonperforming assets at the dates indicated were: <table style="border-bottom: medium none; border-left: medium none; width: 462pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 10.9pt; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoNormalTable" border="1" cellspacing="0" cellpadding="0" width="616"> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> September 30, 2011</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="bottom" width="103"> December 31, 2010</td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="220" colspan="3" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Nonaccrual loans:</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">  </td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> $                      --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103"> $                      --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate - commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                  1,465</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                         --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate - consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                         --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                         --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate - construction</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                         --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                         --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                         --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                         --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Total nonaccrual loans</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                  1,465</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                         --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Accruing loans past due 90 days or more</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                         --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                         --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">  </td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Total nonperforming loans</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                  1,465</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                         --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">  </td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate owned, net</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                     288</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                     263</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">  </td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Total nonperforming assets</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.2pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> $              1,753</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103"> $                  263</td></tr></table>   A summary of the activity in the allowance for loan losses account for the periods indicated is as follows: <table style="border-bottom: medium none; border-left: medium none; width: 462.25pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 10.9pt; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoNormalTable" border="1" cellspacing="0" cellpadding="0" width="616"> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 165.25pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="220" colspan="3" nowrap="nowrap"> At September 30</td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> 2011</td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 12.75pt; border-top: windowtext 1pt solid; border-right: medium none; padding-top: 0in;" valign="top" width="103"> 2010</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 165.25pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="220" colspan="3" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Balance, beginning of year</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> $             2,090</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103"> $             1,773</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Provision for loan losses</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                      44</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                    337</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Loans charged-off</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">  </td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        1</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                      13</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                        --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                      83</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – construction</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                      29</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                        --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        1</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                      13</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Total loans charged-off</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                      31</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                    109</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Recoveries</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">  </td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Commercial </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        2</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                      13</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                        --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                      48</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                        --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Real estate – construction</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                        --</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                        --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                      12</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Total loans recovered</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                      50</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                      25</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap"> Net recoveries/(charge-offs)</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap">                      19</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103">                     (84)</td></tr> <tr style="height: 8.65pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 297pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="396" nowrap="nowrap">   Balance, end of period</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76.45pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="102" nowrap="nowrap"> $             2,153</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 77pt; padding-right: 5.4pt; height: 8.65pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="103"> $             2,026</td></tr></table>   The following table presents the aging analysis of the Company's loan portfolio at September 30, 2011: <table style="border-bottom: medium none; border-left: medium none; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 0px !important; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="708"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="154" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="60" nowrap="nowrap"> 30-59 Days Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="60" nowrap="nowrap"> 60-89 Days Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="60" nowrap="nowrap"> 90 days or more Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="53" nowrap="nowrap"> Total Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87"> Nonaccrual Loans</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="75" nowrap="nowrap"> Current</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 64.2pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="86" nowrap="nowrap"> Total Loans Outstanding</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="73" nowrap="nowrap"> Loans 90 days past due and accruing</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 415.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="554" colspan="8"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap"> $        --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87"> $                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="75" nowrap="nowrap"> $    35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 64.2pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="86" nowrap="nowrap"> $        35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap"> $           --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Real estate – commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87">            1,465</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="75" nowrap="nowrap">     111,111</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 64.2pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="86" nowrap="nowrap">         112,576</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">               --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Real estate – consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">          501</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">       501</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87">                    --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="75" nowrap="nowrap">       52,112</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 64.2pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="86" nowrap="nowrap">            52,613</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">               --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Real estate – construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87">                    --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="75" nowrap="nowrap">       11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 64.2pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="86" nowrap="nowrap">            11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">               --</td></tr> <tr style="height: 14.55pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="87">                    --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="75" nowrap="nowrap">         4,590</td> <td style="padding-bottom: 0in; padding-left: 5.75pt; width: 64.2pt; padding-right: 5.75pt; height: 14.55pt; padding-top: 0in;" valign="top" width="86" nowrap="nowrap">              4,590</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">               --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $       501</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap"> $   501</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="87"> $         1,465</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="75" nowrap="nowrap"> $  214,529</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 64.2pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="86" nowrap="nowrap"> $      216,495</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap"> $           --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 39.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="75" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 64.2pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="86" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">  </td></tr></table>   The following table presents the aging analysis of the Company's loan portfolio at December 31, 2010: <table style="border-bottom: medium none; border-left: medium none; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 0px !important; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="687"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="53" nowrap="nowrap"> 30-59 Days Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="60" nowrap="nowrap"> 60-89 Days Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="60" nowrap="nowrap"> 90 days or more Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="47" nowrap="nowrap"> Total Past Due</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87"> Nonaccrual Loans</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="73" nowrap="nowrap"> Current</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> Total Loans Outstanding</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> Loans 90 days past due and accruing</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 400pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="533" colspan="8" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap"> $        --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="47" nowrap="nowrap"> $      --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87"> $                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap"> $   37,354</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87" nowrap="nowrap"> $      37,354</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="67" nowrap="nowrap"> $           --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Real estate – commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="47" nowrap="nowrap">         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87">                    --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">     101,080</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87" nowrap="nowrap">       101,080</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="67" nowrap="nowrap">               --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Real estate – consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">       131</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="47" nowrap="nowrap">     131</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87">                    --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">      55,563</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87" nowrap="nowrap">         55,694</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="67" nowrap="nowrap">               --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Real estate – construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="47" nowrap="nowrap">         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87">                    --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">      18,389</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87" nowrap="nowrap">         18,389</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="67" nowrap="nowrap">               --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="47" nowrap="nowrap">         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87">                    --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">        3,915</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="87" nowrap="nowrap">           3,915 </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="67" nowrap="nowrap">               --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap"> $   131</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap"> $           --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="47" nowrap="nowrap"> $ 131</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="87"> $                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap"> $216,301</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="87" nowrap="nowrap"> $   216,432</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="67" nowrap="nowrap"> $           --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 115.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="154" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 40pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="53" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="60" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="47" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="73" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="87" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="67" nowrap="nowrap">  </td></tr></table>   The Bank utilizes an internal system based on payment history as its primary credit indicator on its commercial and commercial real estate loan portfolios. Loans that consistently meet an established historical payment schedule are not given further scrutiny other than that given in the ordinary course of business. Any loan that misses its normal payment date falls into a category of heightened scrutiny to determine whether a potential weakness exists. Based upon the collection and analysis of certain data, if there is a determination that no weakness exists, the loan will be given no further heightened scrutiny. If, however, current financial information indicates a potential weakness, aggressive investigation will begin into collateral values and borrower ability to pay to determine loss potential to the Bank. If loss potential is small, the loan is placed into a category of continued monitoring. If loss potential is high, the process of collateral realization may begin. The following table is a summary of credit quality indicators related to the Bank's commercial, commercial real estate, and construction real estate loans at September 30, 2011: <table style="border-bottom: medium none; border-left: medium none; width: 491.4pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 5.4pt; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="655"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="134" nowrap="nowrap"> Real Estate Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="125" nowrap="nowrap"> Real Estate Construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> Total</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 396.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="529" colspan="7" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Category:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Normal review</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $         111,111</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         157,827</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Closely monitored</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                         --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> In collection</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                 1,465</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                 1,465</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">                 Total</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $         112,576</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         159,292</td></tr></table>   The following table is a summary of credit quality indicators related to the Bank's commercial, commercial real estate, and construction real estate loans at December 31, 2010: <table style="border-bottom: medium none; border-left: medium none; width: 491.4pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 5.4pt; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="655"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="134" nowrap="nowrap"> Real Estate Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="125" nowrap="nowrap"> Real Estate Construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> Total</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 396.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="529" colspan="7" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Category:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Normal review</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           37,354</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $                99,602</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           18,389</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         155,345</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Closely monitored</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                      1,478</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                 1,478</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> In collection</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                         --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">                 Total</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           37,354</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $              101,080</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.8pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="17">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 93.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           18,389</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         156,823</td></tr></table>   For regulatory purposes, the Bank utilizes an internal credit classification system to manage the credit quality of its commercial and real estate loan portfolios. Loans classified as "substandard" have well-defined weaknesses and typically have experienced a degradation in either the current value of the pledged collateral or of the paying capacity of the borrower; these loans carry a distinct possibility that the Bank could sustain some loss unless the weakness is corrected. Loans classified as "doubtful" have uncorrected weaknesses that have a high possibility of loss; a loan may reside in this classification temporarily until a currently unquantifiable expected loss can be determined with a greater degree of accuracy. Any loan classified in the "loss" risk class is considered uncollectible and is to be charged-off within 30 days or less. The following table presents a summary of commercial, commercial real estate, and construction real estate loans classified by this internal credit classification at September 30, 2011: <table style="border-bottom: medium none; border-left: medium none; width: 490.95pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 5.4pt; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="655"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="134" nowrap="nowrap"> Real Estate Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="125" nowrap="nowrap"> Real Estate Construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> Total</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 5.5in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="528" colspan="7" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Grade:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Pass</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           35,181</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $         110,407</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           10,198</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         155,786</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Substandard</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                       13</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                 2,169</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                 1,324</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                 3,506</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Doubtful</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                         --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Loss</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                         --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">                 Total</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $         112,576</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         159,292</td></tr></table>   The following table presents a summary of commercial, commercial real estate, and construction real estate loans classified by this internal credit classification at December 31, 2010: <table style="border-bottom: medium none; border-left: medium none; width: 490.95pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 5.4pt; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="655"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="108" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="134" nowrap="nowrap"> Real Estate Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="125" nowrap="nowrap"> Real Estate Construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="111" nowrap="nowrap"> Total</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 5.5in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="528" colspan="7" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Grade:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Pass</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           37,346</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $           98,715</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           16,789</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         152,850</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Substandard</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         8</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                 2,365</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                 1,600</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                 3,973</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Doubtful</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                         --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap"> Loss</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap">                         --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 94.95pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="127" nowrap="nowrap">                 Total</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 81.05pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="108" nowrap="nowrap"> $           37,354</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.45pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="18">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 100.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="134" nowrap="nowrap"> $         101,080</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 1.3in; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="125" nowrap="nowrap"> $           18,389</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 11.8pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="16">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 83.6pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="111" nowrap="nowrap"> $         156,823</td></tr></table>   The Bank utilizes delinquency status in its evaluation of credit exposure for consumer loans, which include both revolving and closed-end mortgages as well as installment and personal loans. Consumer loans are considered to be nonperforming when severely delinquent, defined as 90 days or more past due. The following table represents the credit risk profile for the consumer portfolio at September 30, 2011: <div align="center"> <table style="width: 361.95pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 5.05pt; font-size: 10pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="483"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="97"> Consumer Mortgages</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="117" nowrap="nowrap"> Installment and Other Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap"> Total</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 265.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="355" colspan="5"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap"> Performing</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $           52,613</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="117"> $                  4,590</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap"> $           57,203</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap"> Nonperforming</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="117">                             --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap">                         --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap">                 Total</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $           52,613</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="117"> $                  4,590</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap"> $           57,203</td></tr></table></div>   The following table represents the credit risk profile for the consumer portfolio at December 31, 2010: <div align="center"> <table style="width: 361.95pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 5.05pt; font-size: 10pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="483"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="97"> Consumer Mortgages</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="117" nowrap="nowrap"> Installment and Other Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="border-bottom: windowtext 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap"> Total</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 265.95pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="355" colspan="5"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap"> Performing</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $           55,694</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="117"> $                  3,915</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap"> $           59,609</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap"> Nonperforming</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                         --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="117">                             --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap">                         --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 96pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="128" nowrap="nowrap">                 Total</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 73pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $           55,694</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.5pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 88.1pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="117"> $                  3,915</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="19">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 76pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="101" nowrap="nowrap"> $           59,609</td></tr></table></div>   The following tables present an allocation of the Company's allowance for loan losses and the respective loans evaluated based on its allowance methodology at September 30, 2011: <table style="border-bottom: medium none; border-left: medium none; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 0px !important; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="0" cellspacing="0" cellpadding="0" width="753"> <tr style="height: 14.2pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="80"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="80"> Real Estate Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="73"> Real Estate Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="87"> Real Estate Construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="73"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="80" colspan="3"> Unallocated</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 45pt; padding-right: 5.4pt; height: 14.2pt; padding-top: 0in;" valign="bottom" width="60"> Total</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 400pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="533" colspan="9"> (in thousands) </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="220"> Allowance for loan losses:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 10.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="220"> Ending balance: </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 10.75pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 13.6pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="bottom" width="220"> Individually evaluated for impairment </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="top" width="80"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="top" width="80"> $            55(1)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="top" width="73"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="top" width="87"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="top" width="73"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="top" width="75"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 13.6pt; padding-top: 0in;" valign="top" width="65" colspan="3"> $        55</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220"> Ending balance: </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220"> Collectively evaluated for impairment </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">              308</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">              972</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">              480</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">              101</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">               40</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">              197</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">      2,098</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 10.45pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="220"> Ending balance: </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 10.45pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="bottom" width="220"> Loans acquired with deteriorated credit </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">             --</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220"> Total Ending Balance </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80"> $           308</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80"> $       1,027</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73"> $           480</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87"> $           101</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73"> $            40</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75"> $           197</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3"> $    2,153</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="75">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="65" colspan="3">  </td></tr> <tr style="height: 24.85pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="bottom" width="80"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="bottom" width="80"> Real Estate Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="bottom" width="73"> Real Estate Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="bottom" width="87"> Real Estate Construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="bottom" width="73"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 56.6pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="bottom" width="75"> Unallocated</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.4pt; padding-right: 5.4pt; height: 24.85pt; padding-top: 0in;" valign="bottom" width="65" colspan="3"> Total</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 400pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="533" colspan="9"> (in thousands) </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220"> Total loans: </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 14.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="220"> Ending balance:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 14.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 14.55pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="220"> Individually evaluated for impairment </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="80"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="80"> $       1,465(1)</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="73"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="87"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="73"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="76" colspan="2"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 14.55pt; padding-top: 0in;" valign="top" width="64" colspan="2"> $    1,465</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220"> Ending balance: </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 12.8pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="220"> Collectively evaluated for impairment </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="80">         35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="80">       111,111</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="73">         52,613</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="87">         11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="73">          4,590</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="76" colspan="2">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.8pt; padding-top: 0in;" valign="top" width="64" colspan="2">   215,030</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220"> Ending balance: </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 12pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="220"> Loans acquired with deteriorated credit </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="80">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="80">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="73">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="87">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="73">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="76" colspan="2">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12pt; padding-top: 0in;" valign="top" width="64" colspan="2">             --</td></tr> <tr style="height: 13.85pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr style="height: 13.85pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="220"> Total Ending Balance </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="80"> $      35,194</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="80"> $    112,576</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="73"> $      52,613</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="87"> $      11,522</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="73"> $        4,590</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="76" colspan="2"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 13.85pt; padding-top: 0in;" valign="top" width="64" colspan="2"> $216,495</td></tr> <tr style="height: 12.95pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 165pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="220">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="80">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="87">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 55pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="73">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 57.05pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 47.95pt; padding-right: 5.4pt; height: 12.95pt; padding-top: 0in;" valign="top" width="64" colspan="2">  </td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="220"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="80"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="80"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="73"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="87"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="73"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="75"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="1"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="4"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="60"> </td></tr></table> (1) Certain loans were evaluated for impairment at September 30, 2011. Based on this evaluation process, it was determined that a specific allowance was required.     The following tables present an allocation of the Company's allowance for loan losses and the respective loans evaluated based on its allowance methodology at December 31, 2010: <table style="border-bottom: medium none; border-left: medium none; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 0px !important; font-size: 10pt; border-top: medium none; border-right: medium none;" class="MsoTableGrid" border="1" cellspacing="0" cellpadding="0" width="753"> <tr style="height: 14.2pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="79"> Commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="79"> Real Estate Commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="76" colspan="2"> Real Estate Consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="86"> Real Estate Construction</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="73"> Consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="77"> Unallocated</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 14.2pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="68"> Total</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 402.55pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="537" colspan="8"> (in thousands) </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="217"> Allowance for loan losses:</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Ending balance: </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="217"> Individually evaluated for impairment (1)</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2"> $            13</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86"> $               --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68"> $       13</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Ending balance: </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 14.6pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Collectively evaluated for impairment </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">             327</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">             872</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">             508</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">               162</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">               34</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">             174</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 14.6pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">     2,077</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Ending balance: </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 11.25pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="217"> Loans acquired with deteriorated credit </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">                  --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">           --</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Total Ending Balance </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79"> $          327</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2"> $          885</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75"> $          508</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86"> $           162</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73"> $            34</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77"> $          174</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68"> $  2,090</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="75">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 24.85pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="79"> Commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 59.4pt; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="79" colspan="2"> Real Estate Commercial</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.25pt; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="75"> Real Estate Consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="86"> Real Estate Construction</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="73"> Consumer</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="77"> Unallocated</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 24.85pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="68"> Total</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 402.55pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="537" colspan="8"> (in thousands) </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Total loans: </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Ending balance:</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Individually evaluated for impairment (1) </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79"> $       1,478</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68"> $    1,478</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Ending balance: </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 13.3pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Collectively evaluated for impairment </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">        37,354</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">        99,602</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">        55,694</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">        18,389</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">          3,915</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 13.3pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">    214,954</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Ending balance: </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Loans acquired with deteriorated credit </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">                --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">              --</td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217"> Total Ending Balance </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79"> $     37,354</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79"> $   101,080</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2"> $     55,694</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86"> $     18,389</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73"> $       3,915</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77"> $             --</td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68"> $ 216,432</td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 162.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="217">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 58.95pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="79">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 56.7pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="76" colspan="2">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.9in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="86">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 54.45pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="73">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 0.8in; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="77">  </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 51.1pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="68">  </td></tr> <tr style="height: 12.95pt;"><td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 565pt; padding-right: 5.4pt; height: 12.95pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="top" width="753" colspan="9"> (1)  Certain loans were evaluated for impairment at December 31, 2010.  Based on this evaluation process, it was determined that no impairment was required. </td></tr> <tr><td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="217"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="79"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="79"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="1"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="75"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="86"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="73"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="77"> </td> <td style="border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;" width="68"> </td></tr></table>   The following table reflects the average daily recorded investment in impaired loans as of September 30, 2011 and interest income recognized on those loans for the nine month period ending September 30, 2011: <table style="width: 488.65pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 0px !important; font-size: 10pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="652"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> Recorded Investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> Unpaid Principal Balance</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> Related Allowance</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> Average Daily Recorded Investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> Interest Income Recognized</td></tr> <tr style="height: 15.2pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 15.2pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 337pt; padding-right: 5.4pt; height: 15.2pt; padding-top: 0in;" valign="top" width="449" colspan="5" nowrap="nowrap"> (in thousands)</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> With no allowance recorded:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                 19</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $              19</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> With an allowance recorded:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">          1,465</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">          1,466</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                55</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">               480</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.35pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.35pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $        1,465</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $        1,466</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              55</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $            480</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">           1,465</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">           1,466</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 55</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">               480</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                 19</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 -- </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 151.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="202" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $        1,465</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $        1,466</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              55</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $            499</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr></table>   The following table is a summary of information pertaining to impaired loans at December 31, 2010: <table style="width: 483.65pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 0px !important; font-size: 10pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="645"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> Recorded Investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> Unpaid Balance</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> Related Allowance</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> Average Daily Recorded Investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> Interest Income Recognized</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 337pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="449" colspan="5" nowrap="nowrap"> (in thousands) </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> With no allowance recorded:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $               44</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                 2</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                    9</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                    1</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $               53</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                 3</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> With an allowance recorded:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $               44</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                 2</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap">                    9</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap">                    1</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 146.65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="196" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 62.25pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="83" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 72.4pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="97" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 69pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="92" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 68.35pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="91" nowrap="nowrap"> $               53</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 65pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="87" nowrap="nowrap"> $                 3</td></tr></table>     The following table presents troubled loans that were restructured during the three and nine month periods ended September 30, 2011 and the types of concessions granted. <table style="width: 473.8pt; border-collapse: collapse; font-family: 'Times New Roman','serif'; margin-left: 0px !important; font-size: 10pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="632"> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 169.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="226" colspan="3" nowrap="nowrap"> Three months ended September 30, 2011</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 174.5pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="233" colspan="3" nowrap="nowrap"> Nine months ended September 30, 2011</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> Number of loans</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap"> Pre-modification Outstanding Recorded Investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> Post-modification Outstanding Recorded Investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64"> Number of loans</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> Pre-modification Outstanding Recorded Investment</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap"> Post-modification Outstanding Recorded Investment</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="64">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Below market interest rate:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="64">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap"> $                --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="64">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap"> $                --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="64">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Extended payment terms:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="64">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap"> $                --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64">              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Total </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="64">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap"> $                --</td></tr> <tr style="height: 13.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="top" width="64">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 13.5pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Forgiveness of principal:</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="top" width="64">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">  </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">  </td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $              --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap"> $                --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap"> $                --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - commercial</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Real estate - construction</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                 --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 48.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="64"> --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 59.3pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="79" nowrap="nowrap">                   --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 66.9pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="89" nowrap="nowrap">                   --</td></tr> <tr style="height: 12.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 130pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="173" nowrap="nowrap"> Consumer</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 50pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="67" nowrap="nowrap">               --</td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 60pt; padding-right: 5.4pt; height: 12.75pt; padding-top: 0in;" valign="bottom" width="80" nowrap="nowrap"> <font style="font-size: 9pt;" class="_