0001003986
2012-01-01
2012-03-31
0001003986
2011-12-31
0001003986
2012-04-30
0001003986
2012-03-31
0001003986
2011-01-01
2011-03-31
0001003986
2010-12-31
0001003986
2011-03-31
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xbrli:shares
iso4217:USD
xbrli:shares
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6.      New accounting standards</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;"><p style="font-size: 80%;"><font style="font-size: 10pt;">    The following accounting pronouncements have been approved by the Financial Accounting Standards Board but had not become effective as of March 31, 2012. These pronouncements would apply to the Company if the Company or the Bank entered into an applicable activity.</font></p><p style="font-size: 80%;"><font style="font-size: 10pt;">    ASU No. 2011-11, "<i>Balance Sheet (Topic 210) - Disclosures about Offsetting Assets and Liabilities,</i>" amends Balance Sheet (Topic 210), to require an entity to disclose both gross and net information about both financial instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. The financial instruments and transactions would include derivatives, sale and repurchase agreements and reverse sale and repurchase agreements, and securities borrowing and lending arrangements. ASU 2011-11 is effective for annual and interim periods beginning on January 1, 2013, and is not expected to have a significant impact on the Company's financial statements.<br />    ASU No. 2011-05, "<i>Comprehensive Income (Topic 220) - Presentation of Comprehensive Income.</i>" ASU 2011-05 amends Topic 220, "<i>Comprehensive Income,</i>" to eliminate the option to present components of other comprehensive income as part of the statement of changes in stockholders' equity, among other amendments. An entity has the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. Additionally, ASU 2011-05 requires entities to present on the face of the financial statements reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement(s) where the components of net income and the components of other comprehensive income are presented. ASU 2011-05 is effective for annual and interim periods beginning after December 15, 2011; however, certain provisions related to the presentation of reclassification adjustments have been deferred by ASU 2011-12 "<i>Comprehensive Income (Topic 220) - Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05,</i>" as further discussed below. ASU 2011-05 was adopted early by the Company and applied to the financial statements for the period ended December 31, 2011. <br />    ASU No. 2011-12 "<i>Comprehensive Income (Topic 220) - Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in ASU No. 2011-05</i>." ASU 2011-12 defers changes in ASU No. 2011-05 that relate to the presentation of reclassification adjustments to allow the FASB time to further deliberate whether to require presentation on the face of the financial statements the effects of reclassifications out of accumulated other comprehensive income on the components of net income and other comprehensive income. ASU 2011-12 allows entities to continue to report reclassifications out of accumulated other comprehensive income consistent with the presentation requirements in effect before ASU No. 2011-05. All other requirements in ASU No. 2011-05 are not affected by ASU No. 2011-12. </font></p><p style="font-size: 80%;"></p><p style="font-size: 80%;"><font style="font-size: 10pt;">The accounting policies adopted by management are consistent with accounting principles generally accepted in the United States of America and are consistent with those followed by peer Banks.</font></p></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
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<div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: -18pt;">5.      Assets Measured at Fair Value on a Recurring Basis</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">The Company values investment securities classified as available for sale on a recurring basis.  The fair value hierarchy established in the Financial Accounting Standards Board accounting standards codification topic titled <font style="font-style: italic; display: inline;">Fair Value Measurements</font> defines three input levels for fair value measurement.  Level 1 is based on quoted market prices in active markets for identical assets.  Level 2 is based on significant observable inputs other than those in Level 1.  Level 3 is based on significant unobservable inputs.  The Company values US Treasury securities, government agency securities, and an equity investment in an actively traded public utility under Level 1.  Municipal debt securities and equity investments in community banks are valued under Level 2.  The Company has no assets measured at fair value on a recurring basis that are valued under Level 3 criteria.  At March 31, 2012, values for available for sale investment securities measured at fair value on a recurring basis were established as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: center;"><table cellpadding="0" cellspacing="0" style="width: 90%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; width: 54%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level 1 Inputs</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level 2 Inputs</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="width: 54%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Measured on a recurring basis</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 54%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Investment securities available for sale</div></td><td align="left" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">48,181,783</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">46,440,078</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">1,741,705</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">The Company values impaired loans and other real estate acquired through foreclosure at fair value on a non-recurring basis under Level 2.  The Company has no assets measured at fair value on a non-recurring basis that are valued under Level 1 or Level 3 criteria.  At March 31, 2012, values for impaired loans and other real estate owned measured at fair value on a non-recurring basis were established as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: center;"><table cellpadding="0" cellspacing="0" style="width: 90%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; width: 54%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level 1 Inputs</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level 2 Inputs</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="width: 54%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Measured on a non-recurring basis</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" nowrap="nowrap" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 54%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Impaired loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">3,467,053</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">3,467,053</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 54%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">1,659,260</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">1,659,260</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 4px; width: 54%; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">5,126,313</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">5,126,313</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">The fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis, and the valuation methods used in estimating the fair value of financial instruments is disclosed in the Company's Annual Report on Form 10-K.  It is not practicable to report quarterly the fair value of financial assets and liabilities measured on a non-recurring basis.</div></div>
55894
42772
-106910
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1650481
1968708
1
1
5212976
3998168
76732906
75723459
593800
717500
121699
126811
1659260
1715138
67112
65884
125273
133323
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: -18pt;">2.      Investment Securities</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;"><div style="margin-left: 2em;"><p style="font-family: 'Times New Roman'; font-size: 10pt;">Investment securities are summarized as follows:</p><table border="0" cellpadding="0" cellspacing="0" style="width: 413pt; border-collapse: collapse;"><tr style="height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 75pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Amortized </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 66pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Unrealized</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 62pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Unrealized</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 75pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Fair</td></tr><tr style="height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">cost</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">gains</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">losses</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">value</td></tr><tr style="height: 15pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Available for sale</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  U.S. Treasury</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         45,026,637 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $       1,030,299 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          16,026 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         46,040,910 </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  State and municipal</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 404,311 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 3,661 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               4,605 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 403,367 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  Equity</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              1,602,843 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             552,856 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           418,193 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              1,737,506 </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         47,033,791 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $       1,586,816 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        438,824 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         48,181,783 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Held to maturity</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  U.S. Treasury</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         38,985,623 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          184,363 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          24,526 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         39,145,460 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  U.S. Government agency</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              8,000,000 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                    200 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               8,800 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              7,991,400 </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  State and municipal</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              6,417,005 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               17,514 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               2,302 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              6,432,217 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         53,402,628 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          202,077 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          35,628 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         53,569,077 </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Available for sale</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  U.S. Treasury</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         46,013,913 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $       1,149,257 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            4,231 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         47,158,939 </td></tr><tr style="background-color: #cceeff; height: 17px;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  State and municipal</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 289,515 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 2,890 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                     -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 292,405 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  Equity</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              1,602,843 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             557,360 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           514,672 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              1,645,531 </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         47,906,271 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $       1,709,507 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        518,903 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         49,096,875 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Held to maturity</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"> </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  U.S. Treasury</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         44,993,821 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          246,352 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            5,402 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         45,234,771 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  U.S. Government agency</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              9,500,004 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 1,556 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             16,310 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              9,485,250 </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  State and municipal</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              6,130,414 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               18,079 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               2,211 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              6,146,282 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         60,624,239 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          265,987 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          23,923 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         60,866,303 </td></tr></table><p style="font-size: 80%;">    <font style="font-size: 10pt;">The table below shows the gross unrealized losses and fair value of securities that are in an unrealized loss position as of March 31, 2012, aggregated by length of time that individual securities have been in a continuous unrealized loss position. </font></p></div><div style="margin-left: 2em;"><table border="0" cellpadding="0" cellspacing="0" style="width: 431pt; border-collapse: collapse;"><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 111pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td colspan="2" style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 109pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Less than 12 months</td><td colspan="2" style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 102pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">12 months or more</td><td colspan="2" style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 109pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Fair</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Unrealized</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Fair</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Unrealized</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Fair</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Unrealized</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">value</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">losses</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">value</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">losses</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">value</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">losses</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">U. S. Treasury</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $   28,980,130 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $    40,552 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $             -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $             -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $   28,980,130 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $    40,552 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">U. S. Government Agency</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        5,991,200 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         8,800 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        5,991,200 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         8,800 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">State and municipal</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           967,781 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         6,907 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           967,781 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         6,907 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Equity securities</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           494,210 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">       81,787 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">       249,594 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">       336,406 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           743,804 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">     418,193 </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $   36,433,321 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $  138,046 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    249,594 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    336,406 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $   36,682,915 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $  474,452 </td></tr></table><p style="font-family: 'Times New Roman'; font-size: 10pt;">    The debt securities for which an unrealized loss is recorded are issues of the U. S. Treasury, the Federal Home Loan Bank (a U. S. government agency), and general and highly rated revenue obligations of states and municipalities. The Company has the ability and intends to hold these securities until they are called or mature at face value. Fluctuations in fair value reflect market conditions, and are not indicative of an other than temporary impairment of the investments. <br />    The equity securities for which an unrealized loss is recorded are issues of community banks and bank holding companies located in the same general geographic area as the Company. During 2011, the Company recorded expense of $188,994 related to the other than temporary impairment of two equity holdings. Management continues to monitor the financial condition of the issuers. <br />    The amortized cost and estimated fair value of debt securities, by contractual maturity, and the amount of pledged securities follow. Actual maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.</p><table border="0" cellpadding="0" cellspacing="0" style="width: 417pt; border-collapse: collapse;"><tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 109pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td colspan="2" style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 154pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">March 31, 2012</td><td colspan="2" style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 154pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">December 31, 2011</td></tr><tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Amortized</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Fair</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Amortized</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Fair</td></tr><tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">cost</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">value</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">cost</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">value</td></tr><tr style="height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Available for sale</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  Within one year</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          29,009,812 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          29,046,110 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          32,099,999 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          32,167,588 </td></tr><tr style="background-color: #cceeff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  After one year</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">   through five years</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             14,424,133 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             14,466,567 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             12,206,498 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             12,288,356 </td></tr><tr style="background-color: #cceeff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  After ten years</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,997,003 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               2,931,600 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,996,931 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               2,995,400 </td></tr><tr style="background-color: #ffffff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          45,430,948 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          46,444,277 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          46,303,428 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          47,451,344 </td></tr><tr style="background-color: #cceeff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Held to maturity</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  Within one year</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          21,100,960 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          21,180,470 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          27,304,678 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          27,382,951 </td></tr><tr style="background-color: #ffffff; height: 12.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  After one year</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">   through five years</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             32,301,668 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             32,388,607 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             33,319,561 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             33,483,352 </td></tr><tr style="background-color: #ffffff; height: 15pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 15pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          53,402,628 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          53,569,077 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          60,624,239 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          60,866,303 </td></tr><tr style="background-color: #cceeff; height: 20px;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 14px;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12.75pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Pledged securities</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><u> $          21,361,719</u></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><u> $          21,480,910</u></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><u> $          22,739,753</u></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><u> $          22,905,072</u></td></tr></table><p style="font-family: 'Times New Roman'; font-size: 10pt;">    Investments are pledged to secure deposits of federal and local governments. Pledged securities also serve as collateral for securities sold under agreements to repurchase.</p></div></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
84067
90079
821041
1031426
12053
123436
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: -18pt;">3.      Loans and Allowance for Loan Losses</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;"><div style="margin-left: 2em;"><p style="font-family: 'Times New Roman'; font-size: 10pt;">    Major classifications of loans are as follows:</p><table border="0" cellpadding="0" cellspacing="0" style="width: 378pt; border-collapse: collapse;"><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 224pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 10pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 10pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real estate mortgages</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development, and land</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          13,489,253 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          13,162,460 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, 1st liens</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             86,312,539 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             85,772,367 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, subordinate liens</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               2,011,288 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               2,015,355 </td></tr><tr style="background-color: #ffffff; height: 17px;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           116,838,314 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           113,010,943 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             14,182,421 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             12,507,978 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Consumer</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,708,737 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,737,297 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total loans</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           234,542,552 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           228,206,400 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Allowance for loan losses</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  772,866 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  672,261 </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Loans, net</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        233,769,686 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        227,534,139 </td></tr></table><p style="font-family: 'Times New Roman'; font-size: 10pt;">    Nonperforming loans are loans past due 90 or more days and still accruing plus nonaccrual loans. Nonperforming assets are comprised of nonperforming loans combined with real estate acquired in foreclosure and held for sale (other real estate owned). The following table details the composition of nonperforming assets:</p><table border="0" cellpadding="0" cellspacing="0" style="width: 378pt; border-collapse: collapse;"><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 224pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 10pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 10pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Loans 90 days or more past due and still accruing</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 17px;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real estate mortgages</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development, and land</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $               232,085 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                         -   </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  684,422 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  684,422 </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 36px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  916,507 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  684,422 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 36px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Nonaccruing loans</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real estate mortgages</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development, and land</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  608,123 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  965,708 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  249,367 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                            -   </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 36px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total current</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  857,490 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  965,708 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 36px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;"> </td></tr><tr style="background-color: #cceeff; height: 14px;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real estate mortgages</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development, and land</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  335,891 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  255,081 </td></tr><tr style="background-color: #cceeff; height: 18px;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  666,783 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               1,214,516 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  922,467 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  932,966 </td></tr><tr style="background-color: #cceeff; height: 20px;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 36px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total past due 30 days or more</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,925,141 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               2,402,563 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total nonaccruing loans</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               2,782,631 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               3,368,271 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; width: 224pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total nonperforming loans</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               3,699,138 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               4,052,693 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Other real estate owned</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,659,260 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,715,138 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; width: 224pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total nonperforming assets</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $            5,358,398 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $            5,767,831 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Interest not accrued to income on nonaccruing loans</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                 42,201 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $               118,643 </td></tr></table><p style="font-size: 80%;">   <font style="font-size: 10pt;"> No interest income was recognized on a cash-basis on non-accruing loans during the periods presented in the table above. Payments received on non-accruing loans were applied as reductions of principal. </font></p></div><p style="font-family: 'Times New Roman'; margin-left: 2em; font-size: 10pt;">    The following is a schedule of transactions in the allowance for loan losses by type of loan. The Company did not acquire any loans with deteriorated credit quality during the periods presented. </p><div style="margin-left: 2em;"><table border="0" cellpadding="0" cellspacing="0" style="width: 510pt; border-collapse: collapse;"><tr style="height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 120pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td colspan="3" style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 171pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real estate mortgages</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 54pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 55pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 48pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 62pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">and Land</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Consumer</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Unallocated</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Beginning balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $           160,392 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $             42,064 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            193,570 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          197,353 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            60,487 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         18,395 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $              672,261 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Loans charged off</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             (45,081)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             (58,526)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                       -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                (363)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              (5,118)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              (109,088)</td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Recoveries</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                             -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  15,000 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                               -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                     -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                2,193 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  17,193 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Provision charged to operations</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                 82,500 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                115,000 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                          858 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">            (20,000)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">            (12,500)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           26,642 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                192,500 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Ending balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             197,811 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            113,538 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             194,428 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         176,990 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           45,062 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        45,037 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $              772,866 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td colspan="2" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Individually evaluated for impairment:</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance in allowance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                         -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                         -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                           -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                  -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                   -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                    -   </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Related loan balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          944,538 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           915,627 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        1,606,888 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                  -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                   -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         3,467,053 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td colspan="2" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Collectively evaluated for impairment:</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance in allowance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             197,811 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            113,538 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             194,428 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         176,990 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           45,062 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        45,037 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            772,866 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Related loan balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    12,544,715 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $  87,408,200 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    115,231,426 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    14,182,421 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $      1,708,737 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    231,075,499 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Beginning balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          235,437 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $             50,602 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            356,993 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         194,946 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          119,228 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $        25,972 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $              983,178 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Loans charged off</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             (227,197)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">            (353,238)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              (865,683)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">            (18,492)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">            (19,650)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">            (1,484,260)</td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Recoveries</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                 39,072 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                        300 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                               -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  410 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               6,261 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  46,043 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Provision charged to operations</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                113,080 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              344,400 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                702,260 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              20,489 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">            (45,352)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           (7,577)</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              1,127,300 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Ending balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           160,392 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             42,064 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             193,570 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         197,353 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           60,487 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        18,395 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $              672,261 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td colspan="2" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Individually evaluated for impairment:</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance in allowance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                         -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                         -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                           -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                  -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                   -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                     -   </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Related loan balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $      1,220,789 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $       1,188,260 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         1,617,388 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                  -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                   -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         4,026,437 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td colspan="2" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Collectively evaluated for impairment:</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance in allowance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           160,392 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             42,064 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             193,570 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         197,353 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           60,487 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        18,395 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            672,261 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Related loan balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $      11,941,671 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $  86,599,462 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    111,393,555 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $  12,507,978 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $      1,737,297 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    224,179,963 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2011</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 16px;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Beginning balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          235,437 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $             50,602 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            356,993 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         194,946 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          119,228 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $        25,972 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $              983,178 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Loans charged off</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                             -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                             -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                               -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">             (2,945)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              (7,193)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                (10,138)</td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Recoveries</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                             -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                         150 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                               -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  284 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                1,418 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                    1,852 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Provision charged to operations</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                35,000 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                             -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  117,500 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              44,899 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">            (41,353)</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">         (10,646)</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              145,400 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Ending balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          270,437 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             50,752 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            474,493 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         237,184 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           72,100 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        15,326 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           1,120,292 </td></tr><tr style="background-color: #ffffff; height: 9.75pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td colspan="2" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Individually evaluated for impairment:</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance in allowance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            110,509 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                         -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            350,000 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                  -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                   -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            460,509 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Related loan balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $      1,525,626 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          823,350 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $       2,569,507 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                  -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                  -   </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          4,918,483 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> </td></tr><tr style="background-color: #cceeff; height: 9.75pt;"><td colspan="2" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 9.75pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Collectively evaluated for impairment:</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance in allowance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           159,928 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             50,752 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             124,493 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         237,184 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           72,100 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        15,326 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $           659,783 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Related loan balance</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    17,929,910 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    91,435,551 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $   114,625,008 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $   15,457,291 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $      1,559,548 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 7.5pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    241,007,308 </td></tr></table></div><div style="margin-left: 2em;"> </div><div style="margin-left: 2em;">    The table below shows the relationship of net charged-off loans and the balance in the allowance to gross loans and average loans.</div><div style="margin-left: 2em;"> </div><div style="margin-left: 2em;"><div style="margin-left: 2em;"><table border="0" cellpadding="0" cellspacing="0" style="width: 600pt; border-collapse: collapse;"><tr style="height: 12pt;"><td colspan="3" style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 578px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 700; border-right: medium none; text-decoration: none; padding-top: 1px;">Allowance for Loan Losses</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 700; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 9pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 700; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td colspan="2" style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 252px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">For three months ended</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">For the year ended</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 700; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td colspan="2" style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 252px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">March 31</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">December 31</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">2012</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">2011</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">2011</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="height: 18px;"><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Net loans charged off</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $          91,895 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $            8,286 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $     1,438,217 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><p>Balance at end of period</p></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $        772,866 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $     1,120,292 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;"> $        672,261 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 18px;"><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Gross loans outstanding at the end of the period</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $ 234,542,552 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $ 245,925,791 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $ 228,206,400 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Allowance for loan losses to gross loans</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">outstanding at the end of the period</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0.33%</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0.46%</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0.29%</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Average gross loans outstanding during the period</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $ 230,408,444 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $ 240,422,747 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $ 237,757,026 </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Annualized net charge-offs as a percentage of</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; width: 326px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">average gross loans outstanding during the period</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 116px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0.16%</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 135px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0.01%</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; width: 11px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 196px; padding-right: 1px; font-family: 'Times New Roman'; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0.60%</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr></table></div><p style="font-family: 'Times New Roman'; font-size: 10pt;">    Loans are considered past due when either principal or interest is not paid by the date on which payment is due. The following table is an analysis of past due loans by days past due and type of loan. </p></div><table border="0" cellpadding="0" cellspacing="0" style="width: 560pt; border-collapse: collapse;"><tr style="height: 11.25pt;"><td colspan="8" style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 560pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">Age Analysis of Past Due Loans</td></tr><tr style="height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">90 Days</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">> 90 Days</td></tr><tr style="height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">30-59 Days</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">60-89 Days</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Past Due</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Past Due and</td></tr><tr style="height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Past Due</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Past Due</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Or Greater</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Past Due</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Current</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Loans</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Accruing</td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real Estate</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development,</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">and land</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $       336,415 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $               -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $       232,085 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $       568,500 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $     12,920,753 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $      13,489,253 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $     232,085 </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, 1st lien</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       1,488,879 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        438,227 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          666,260 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       2,593,366 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        83,719,173 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         86,312,539 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, subordinate</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">            9,359 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              9,359 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          2,001,929 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           2,011,288 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        618,608 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       1,606,888 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       2,225,496 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">      114,612,818 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       116,838,314 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        684,422 </td></tr><tr style="background-color: #cceeff; height: 17px;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          109,655 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          109,655 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        14,072,766 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         14,182,421 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Consumer</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              2,103 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">          22,265 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">            24,368 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">          1,684,369 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           1,708,737 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  -   </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    1,937,052 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $  1,088,459 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    2,505,233 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    5,530,744 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $   229,011,808 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    234,542,552 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $     916,507 </td></tr><tr style="background-color: #ffffff; height: 10.5pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 10.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real Estate</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development,</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">and land</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $     232,655 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $       255,081 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $       487,736 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $     12,674,724 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $      13,162,460 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $               -   </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, 1st lien</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          177,908 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        827,281 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          968,570 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       1,973,759 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        83,798,608 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         85,772,367 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, subordinate</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          2,015,355 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           2,015,355 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          627,117 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">          32,953 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       1,617,388 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       2,277,458 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">      110,733,485 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">       113,010,943 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        684,422 </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">        12,507,978 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">         12,507,978 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  -   </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Consumer</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">            2,302 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                   -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">              2,302 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">          1,734,995 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           1,737,297 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  -   </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $       805,025 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $  1,095,191 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    2,841,039 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    4,741,255 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $   223,465,145 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $    228,206,400 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"><font style="font-size: 9pt;"> $     684,422</font></td></tr></table><p style="text-align: left; text-indent: 0.5in; font-size: 10pt;">    Loans are considered impaired when management considers it unlikely that collection of principal and interest payments will be made according to contractual terms, including principal and interest payments. A performing loan may be categorized as impaired based on knowledge of circumstances that are deemed relevant to loan collection. Not all impaired loans are past due nor are losses expected for every impaired loan. If a loss is expected, an impaired loan may have specific reserves allocated to it in the allowance for loan losses. A schedule of impaired loans at period ends and their average balances for the year follows:</p><div style="margin-left: 2em;"><p style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"></p><table border="0" cellpadding="0" cellspacing="0" style="width: 430pt; border-collapse: collapse;"><tr style="height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 162pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 700; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Unpaid</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Average</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Interest Income</td></tr><tr style="height: 11.25pt;"><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Principal</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Related</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Recorded</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Recognized</td></tr><tr style="height: 11.25pt;"><td style="border-bottom: windowtext 0.5pt solid; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">March 31, 2012</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Allowance</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Investment</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">During Impairment</td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">With no related allowance recorded</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development, and land</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $           944,538 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                    -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $           958,313 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                    -   </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, 1st liens</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              915,627 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                       -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              928,971 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                       -   </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           1,606,888 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                       -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           1,612,138 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                13,224 </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total, all categories</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        3,467,053 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                    -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        3,499,421 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"><font style="font-size: 9pt;"> $             13,224</font></td></tr></table><p style="font-size: 80%;"> </p><table border="0" cellpadding="0" cellspacing="0" style="width: 430pt; border-collapse: collapse;"><tr style="height: 11.25pt;"><td style="border-bottom: windowtext 0.5pt solid; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; width: 162pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">December 31, 2011</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 67pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">With no related allowance recorded</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development, and land</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $        1,220,789 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                    -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $        1,322,323 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                    -   </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family, 1st liens</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           1,214,516 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                       -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">           1,329,911 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                       -   </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           1,617,388 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                       -   </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">           2,072,269 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                44,469 </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 24px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total, all categories</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        4,052,693 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                    -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        4,724,503 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $             44,469 </td></tr></table><p style="font-size: 80%;">    <font style="font-size: 10pt;">Credit risk is measured based on an internally designed grading scale. The grades correspond to regulatory rating categories of pass, special mention, substandard, and doubtful. Evaluation of grades assigned to individual loans is completed no less than quarterly. Credit quality, as measured by internally assigned grades, is an important component in the calculation of an adequate allowance for loan losses. The following table summarizes loans by credit quality indicator.</font></p></div><div style="margin-left: 2em;"><table border="0" cellpadding="0" cellspacing="0" style="width: 390pt; border-collapse: collapse;"><tr style="height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 236pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td></tr><tr style="height: 18px;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">Real Estate Credit Risk Profile by Internally Assigned Grade</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">Construction, land development, and land</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Pass</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          12,544,715 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          11,941,671 </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Doubtful</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Nonperforming: 90 days or more past due and/or non-accruing</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  944,538 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,220,789 </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          13,489,253 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          13,162,460 </td></tr><tr style="background-color: #cceeff; height: 13px;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">Residential 1 to 4 family</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Pass</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          84,302,698 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          83,934,669 </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Substandard</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               3,105,503 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               2,638,537 </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Doubtful</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Less than 90 days past due</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                  249,366 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                            -   </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Nonperforming: 90 days or more past due and/or non-accruing</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                  666,260 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,214,516 </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          88,323,827 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          87,787,722 </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">Commercial properties</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Pass</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $        109,149,505 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $        106,062,119 </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Substandard</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               6,081,920 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               5,331,436 </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Doubtful</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Nonperforming: 90 days or more past due and/or non-accruing</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,606,889 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,617,388 </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        116,838,314 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $        113,010,943 </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">Commercial Credit Risk Profile by Internally Assigned Grade</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Pass</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;"> $          14,182,421 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;"> $          12,507,978 </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          14,182,421 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          12,507,978 </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">Consumer Credit Risk Profile by Internally Assigned Grade</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 11.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 11.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Special Mention</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                   2,463 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                         -   </td></tr><tr style="background-color: #cceeff; height: 13.5pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Pass</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,706,274 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               1,737,297 </td></tr><tr style="background-color: #ffffff; height: 13.5pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 13.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            1,708,737 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            1,737,297 </td></tr></table></div><div style="margin-left: 2em;"> </div><div style="margin-left: 2em;">    The modification or "restructuring" of terms on a loan is considered a "troubled debt" restructuring if it is done to accommodate a borrower who is experiencing financial difficulties. The lender may forgive principal, lower the interest rate or payment amount, or may modify the payment due dates or maturity date of a loan for a troubled borrower. <br />    At the time of restructuring, the Company may reduce the outstanding principal balance of a loan by recording a loss through the allowance for loan losses. There were no losses recorded as part of a restructure in the three months ended March 31, 2012 or the year ended December 31, 2011. Some troubled debt restructurings have resulted in losses due to payment default or principal reductions recorded as losses through the allowance for loan losses subsequent to restructuring. Other restructured loans have been collected with no loss of principal or have been returned to their original contractual terms.<br />    The following table details information about troubled debt restructurings during the periods presented.</div><p style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt;"></p><table border="0" cellpadding="0" cellspacing="0" style="width: 537pt; border-collapse: collapse;"><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 164pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td colspan="3" style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 186pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">       At the time of restructuring       </td><td colspan="3" style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 187pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">       Subsequent to restructuring       </td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Number of</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance prior to</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Balance after</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Number of</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Defaults on</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Other principal</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">contracts</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">restructuring </td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">restructuring </td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">defaults</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">restructures</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">reductions</td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real Estate</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1-4 family, 1st liens</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">1 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            337,727 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            337,727 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                      -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                      -   </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">1 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">               604,997 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">               604,997 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">0 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                         -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                         -   </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;">2 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            942,724 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            942,724 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;">0 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                      -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                      -   </td></tr><tr style="background-color: #cceeff; height: 10.5pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 10.5pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real Estate</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1-4 family, 1st liens</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">4 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         1,554,683 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $         1,554,683 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">0 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                      -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                      -   </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">1 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">               517,998 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">               517,998 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">0 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                         -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                         -   </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;">5 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         2,072,681 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $         2,072,681 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double;">0 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                      -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"><font style="font-size: 9pt;"> $                      -  </font></td></tr></table><p style="font-family: 'Times New Roman'; font-size: 10pt;"></p><div style="margin-left: 2em;"><p style="font-family: 'Times New Roman'; font-size: 10pt;">    Troubled debt restructurings with outstanding principal balances as of March 31, 2012 were as follows: </p><table border="0" cellpadding="0" cellspacing="0" style="width: 449pt; border-collapse: collapse;"><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 167pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 10pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 47pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 71pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Paying as agreed</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 87pt; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Past due</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Number of</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">under</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">30 days or more</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">contracts</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Current balance</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">modified terms</td><td style="border-bottom: windowtext 0.5pt solid; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> or non-accruing</td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Real Estate</td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Construction, land development, and land</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                1 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $             336,415 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                         -   </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $                    336,415 </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Residential 1 to 4 family</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">              15 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $          3,393,879 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">               1,927,254 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">                    1,466,625 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 12px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Commercial properties</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                9 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;"> $          6,246,907 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">               4,737,174 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">                    1,509,733 </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: left; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Total</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;">              25 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          9,977,201 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            6,664,428 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman'; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $                 3,312,773 </td></tr></table></div></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: -18pt;">1.      Basis of Presentation</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;"><p style="font-size: 80%;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">    The accompanying unaudited consolidated financial statements conform with accounting principles generally accepted in the United States of America and with the instructions to Form 10-Q. Interim financial statements do not include all the information and footnotes required for complete financial statements. In the opinion of management, all adjustments considered necessary for a fair presentation of financial position and results of operations for these interim periods have been made. These adjustments are of a normal recurring nature. Results of operations for the three months ended March 31, 2012 are not necessarily indicative of the results that may be expected in any other interim period or for the year ending December 31, 2012. For further information, refer to the audited consolidated financial statements and related footnotes included in the Company's Form 10-K for the year ended December 31, 2011.<br />    Consolidation has resulted in the elimination of all significant intercompany accounts and transactions.</font></p><p style="font-size: 80%;"><font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Cash Flows<br /></u>    For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest-bearing deposits except for time deposits. Federal funds are purchased and sold for one-day periods.</font></p><p style="font-size: 80%;"><font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Per share data<br /></u>    Earnings per common share are determined by dividing net income by the weighted average number of common shares outstanding for the period, as follows:</font></p><table border="0" cellpadding="0" cellspacing="0" style="width: 300pt; border-collapse: collapse;"><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 188pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 56pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">2012</font></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 56pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">2011</font></td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; text-align: justify; border-left: medium none; font-style: normal; padding-left: 1px; width: 188pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Three months ended March 31</font></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">      2,995,905 </font></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">      3,000,508 </font></td></tr></table></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: -18pt;">4.      Loan commitments</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 18pt; display: block; font-family: Times New Roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;"><p style="font-size: 80%;"> <font style="font-size: 10pt;"> Loan commitments are agreements to lend to customers as long as there is no violation of any conditions of the contracts. Outstanding loan commitments and letters of credit consist of:</font></p><table border="0" cellpadding="0" cellspacing="0" style="width: 378pt; border-collapse: collapse;"><tr style="height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; width: 224pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">March 31, 2012</td><td style="border-bottom: medium none; text-align: center; border-left: medium none; font-style: normal; padding-left: 1px; width: 77pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: normal; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single;">December 31, 2011</td></tr><tr style="height: 12pt;"><td style="border-bottom: medium none; text-align: justify; border-left: medium none; font-style: normal; padding-left: 1px; width: 224pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: normal; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Loan commitments and lines of credit</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  Construction and land development</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            2,486,000 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> $            1,999,670 </td></tr><tr style="background-color: #ffffff; height: 14.25pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">  Other</td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             17,392,039 </td><td align="right" style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: single-accounting;">             22,346,026 </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          19,878,039 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $          24,345,696 </td></tr><tr style="background-color: #ffffff; height: 12pt;"><td style="border-bottom: medium none; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; height: 12pt; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"></td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: bottom; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;"> </td></tr><tr style="background-color: #cceeff; height: 14.25pt;"><td style="border-bottom: medium none; text-align: justify; border-left: medium none; font-style: normal; padding-left: 1px; width: 224pt; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: normal; height: 14.25pt; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: none; padding-top: 1px;">Standby letters of credit</td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            1,492,487 </td><td style="border-bottom: medium none; text-align: right; border-left: medium none; font-style: normal; padding-left: 1px; padding-right: 1px; font-family: 'Times New Roman', serif; white-space: nowrap; color: windowtext; font-size: 9pt; vertical-align: top; border-top: medium none; font-weight: 400; border-right: medium none; text-decoration: underline; padding-top: 1px; text-underline-style: double-accounting;"> $            1,486,677 </td></tr></table></div></div><div></div><div></div><div></div></div>
0.35
0.42
false
--12-31
2012-03-31
No
No
Yes
Accelerated Filer
65824768
TAYLOR CALVIN B BANKSHARES INC
0001003986
2994823
2012
Q1
10-Q
75980567
74937987
157296
137259
71432
46640
-108
0
-18140
-6179
12914
131514