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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 16pt; FONT-WEIGHT: bold">SECURITIES AND EXCHANGE COMMISSION</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 14pt; FONT-WEIGHT: bold">&#160;</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 13.5pt">WASHINGTON, D.C. 20549 </font></div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 13.5pt">____________________</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 18pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">FORM 10-Q </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">[X] Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">For the quarterly period ended: September 30, 2012</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">or</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">[&#160;&#160;] Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">For the transition period from ________________ to _____________</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Commission File Number: 1-34242</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-WEIGHT: bold">DNB Financial Corporation </font></div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(Exact name of registrant as specified in its charter) </font></div>
  
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: courier new; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: courier new; FONT-SIZE: 10pt">&#160;&#160;&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pennsylvania</font><font style="DISPLAY: inline; FONT-FAMILY: courier new; FONT-SIZE: 10pt; FONT-WEIGHT: bold"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23-2222567</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">(State or other jurisdiction of&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(I.R.S. Employer Identification No.)</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">incorporation or organization)</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">4 Brandywine Avenue - Downingtown, PA 19335</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(Address of principal executive offices and Zip Code)</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(610) 269-1040</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(Registrant's telephone number, including area code)</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">Not Applicable</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(Former name, former address and former fiscal year, if changed since last report)</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160; &#160;</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 1pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">No <font style="DISPLAY: inline; FONT-FAMILY: wingdings">o</font></font></div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule&#160;405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).&#160; </font></div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Yes </font><font style="DISPLAY: inline; FONT-FAMILY: wingdings; FONT-SIZE: 10pt">x</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 1pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">No <font style="DISPLAY: inline; FONT-FAMILY: wingdings">o</font></font></div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer, or a smaller reporting company. See definition of "accelerated filer", "large accelerated filer", and "smaller reporting company" in Rule 12b-2 of the Exchange Act. </font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; MARGIN: 9pt 0pt 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Large accelerated filer&#160;&#160;&#160;&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font></font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Accelerated filer&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="DISPLAY: inline;" face="Wingdings">o</font></font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Non-accelerated filer&#160;&#160;&#160;&#160;&#160;&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font></font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Smaller reporting company&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt" face="Wingdings">x</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font> </div>
  
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Indicate by check mark whether the registrant is a shell company (as defined in Rule&#160;12b-2 of the Exchange Act).</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 1pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date. </font></div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 6pt 0pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Common Stock ($1.00 Par Value)</font></div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman">(Class)</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">719,701</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">(Shares Outstanding </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">as of November </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">8</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012)</font><font style="DISPLAY: inline">&#160;</font></div>
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  <div><font size="1">&#160; </font></div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY </font></div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">INDEX</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART&#160;&#160;I - FINANCIAL INFORMATION</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman">PAGE NO</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM&#160; 1.&#160;&#160;&#160; </font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">FINANCIAL STATEMENTS (Unaudited):</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30, 2012 and December 31, 2011</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">CONSOLIDATED STATEMENTS OF INCOME</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Three and Nine Months Ended September 30, 2012 and 2011</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</font></div>
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  <td valign="top" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 0pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">CONSOLIDATED STATEMENTS OF STOCKHOLDERS&#8217; EQUITY </font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">CONSOLIDATED STATEMENTS OF CASH FLOWS</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Nine Months Ended September 30, 2012 and 2011</font></div>
  </td>
  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7&#160; </td>
  </tr><tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8&#160; </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 2.&#160; </font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">27&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: arial unicode ms; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 3.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK,</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">45&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 4.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">CONTROLS AND PROCEDURES </font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">45&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART II - OTHER INFORMATION</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 1.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">LEGAL PROCEEDINGS</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">45&#160; </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 1A.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">RISK FACTORS</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">45&#160; </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 2.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">UNREGISTERED SALES OF EQUITY&#160;&#160;SECURITIES AND USE OF PROCEEDS</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 3.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DEFAULTS UPON SENIOR SECURITIES</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 4.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">MINE SAFETY DISCLOSURES</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 5.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">OTHER INFORMATION</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46&#160; </td>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">ITEM 6.</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">EXHIBITS</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46&#160; </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td colspan="3" valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 400.1pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">SIGNATURES</font></div>
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  <td nowrap valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 59.7pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">47&#160; </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.4pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 341.2pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.7pt; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">EXHIBIT INDEX</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160; &#160;</font> </div>
  
  <div><font size="1">&#160; </font></div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">2</font> </div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART I &#8211; FINANCIAL INFORMATION</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline">ITEM 1 &#8211; FINANCIAL STATEMENTS</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30,</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31,</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(Dollars in thousands, except share and per share data)</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Cash and due from banks</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">18,993&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">32,877&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash and cash equivalents</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">18,993&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">32,877&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">AFS investment securities (amortized cost of $122,377 and $107,543)</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">123,900&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">107,530&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">HTM investment securities (fair value of $56,460 and $37,681)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">54,090&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">36,427&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total investment securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">177,990&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">143,957&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">402,377&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">403,684&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Allowance for credit losses</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(6,557) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(6,164) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">395,820&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">397,520&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Restricted stock</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,427&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,625&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Office property and equipment, net</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8,341&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,846&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Accrued interest receivable</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,788&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,536&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">OREO &amp; other repossessed property</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,864&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,974&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Bank owned life insurance (BOLI)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8,561&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8,383&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Core deposit intangible</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">197&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">111&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Net deferred taxes</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,082&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,614&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Other assets</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,130&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,656&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total assets</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">626,193&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">607,099&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities and Stockholders&#8217; Equity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-interest-bearing deposits</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">84,867&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">68,371&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest-bearing deposits:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">NOW </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">155,420&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">171,321&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Money market </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">115,587&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">107,368&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Savings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">55,063&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">45,250&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Time</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">106,946&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">105,235&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total deposits</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">517,883&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">497,545&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Federal Home Loan Bank of Pittsburgh (FHLBP) advances</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">20,000&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">20,000&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Repurchase agreements</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17,407&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">23,770&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Junior subordinated debentures</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,279&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">9,279&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Other borrowings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">578&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">598&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total borrowings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">47,264&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">53,647&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Accrued interest payable</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">371&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">444&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Other liabilities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,002&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,407&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total liabilities</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">570,520&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">556,043&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Stockholders&#8217; Equity</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Preferred stock, $10.00 par value; </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">1,000,000 shares authorized; $1,000 liquidation preference per share; 13,000 issued </font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">12,974&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12,962&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Common stock, $1.00 par value; </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">10,000,000 shares authorized; 2,882,503 issued </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,897&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,891&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Treasury stock, at cost; 167,941 and 187,654, respectively</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(4,002) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(4,252) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Surplus</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">35,159&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">35,060&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Retained earnings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,087&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,871&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Accumulated other comprehensive loss, net</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.32%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(442) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1,476) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 68.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total stockholders&#8217; equity</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">51,056&#160; </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">See accompanying notes to unaudited consolidated financial statements.</font> </div>
  
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  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">3</font> </div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="4" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Three Months Ended</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="4" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30,</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30,</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(Dollars in thousands, except per share data)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest Income:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest and fees on loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,654&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,758&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">16,714&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">17,039&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest and dividends on investment securities:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Taxable</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">798&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">779&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,382&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,555&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Exempt from federal taxes</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">168&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">95&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">411&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">96&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest on cash and cash equivalents</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">19&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">47&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total interest and dividend income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,626&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,651&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">19,533&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">19,737&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest Expense:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest on NOW, money market and savings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">226&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">254&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">681&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">831&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest on time deposits</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">366&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">527&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,203&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,711&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest on FHLB advances</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">213&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">213&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">635&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">651&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest on repurchase agreements</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">15&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">38&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">56&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">114&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest on junior subordinated debentures</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">81&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">75&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">244&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">231&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest on other borrowings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">20&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">21&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">60&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">74&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total interest expense</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">921&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,128&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,879&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,612&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Net interest income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,705&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,523&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">16,654&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">16,125&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Provision for credit losses</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">375&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">426&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,275&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,278&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Net interest income after provision for credit losses</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,330&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,097&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">15,379&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">14,847&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-interest Income:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Service charges</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">341&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">290&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,010&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">831&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Wealth management</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">223&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">158&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">690&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">587&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Increase in cash surrender value of BOLI</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">60&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">178&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">181&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Gain on sale of investment securities, net</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">161&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">240&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Gain on sale of SBA loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">56&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">158&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">281&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Loss on sale or write down of OREO</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(229) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(229) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Other fees</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">323&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">295&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">895&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">886&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total non-interest income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">879&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">859&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,942&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,767&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-interest Expense:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Salaries and employee benefits</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,268&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,159&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,755&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,504&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Furniture and equipment</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">300&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">313&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">935&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">963&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Occupancy</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">469&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">488&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,408&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,461&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Professional and consulting</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">318&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">269&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">936&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">832&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Advertising and marketing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">117&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">141&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">432&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">488&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Printing and supplies</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">30&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">29&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">131&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">111&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">FDIC insurance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">119&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">124&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">352&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">433&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">PA shares tax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">141&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">129&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">424&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">387&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Telephone and fax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">42&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">52&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">147&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">155&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Postage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">16&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">64&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">59&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Other expenses</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">409&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">397&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,230&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,070&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total non-interest expense</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,239&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,117&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">12,814&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">12,463&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Income before income tax expense</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,970&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,839&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,507&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,151&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Income tax expense</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">554&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">544&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,589&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,553&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,416&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,295&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,918&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,598&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Preferred stock dividends and accretion of discount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">37&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">331&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">295&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">640&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income available to Common Shareholders</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,379&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">964&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,623&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,958&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Earnings per common share:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Basic</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">0.51&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0.36&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1.34&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.11&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Diluted</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">0.50&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0.36&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1.32&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.10&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash dividends per common share</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">0.05&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0.03&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">0.15&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0.09&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted average common shares outstanding:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Basic</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,714,427&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.86%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,677,533&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">See accompanying notes to unaudited consolidated financial statements.</font> </div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">4</font> </div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,416&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,295&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,918&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,598&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Other Comprehensive Income:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Unrealized holding gains arising during the period</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Before tax amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,021&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(110) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,776&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,257&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Tax effect</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(347) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">38&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(603) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(767) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net of tax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">674&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(72) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,173&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,490&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Discount on AFS to HTM reclassification</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Before tax amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(116) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Tax effect</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">39&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net of tax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(77) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Accretion of discount on AFS to HTM reclassification</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Before tax amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">11&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">29&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">9&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Tax effect</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(4) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(3) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(10) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(3) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net of tax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">19&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Less reclassification for gains included in net income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Before tax amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(161) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(240) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(2) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Tax effect</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">55&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">82&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net of tax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(106) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(158) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total other comprehensive income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">575&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(67) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,034&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,418&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 55.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total comprehensive income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,991&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,228&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,952&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.88%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,016&#160; </td>
  </tr></table>
  </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.56%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.56%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Accumulated Other Comprehensive Income (Unaudited)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.56%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Before-Tax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Tax</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Net-of-Tax</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 9pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.56%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Effect</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.56%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net unrealized gain on AFS securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,523&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(517) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,006&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Discount on AFS to HTM reclassification</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(63) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">21&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(42) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Unrealized actuarial losses-pension</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(2,131) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">725&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1,406) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total of all items above</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(671) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">229&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(442) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.56%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net unrealized loss on AFS securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(13) </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(9) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Discount on AFS to HTM reclassification</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(92) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">31&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(61) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Unrealized actuarial losses-pension</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(2,131) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">725&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1,406) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 70.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total of all items above</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.56%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(2,236) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.36%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">760&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(1,476) </td>
  </tr></table>
  </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">See accompanying notes to unaudited consolidated financial statements.</font> </div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">5</font> </div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Courier New; FONT-SIZE: 10pt"><font style="FONT-VARIANT: small-caps; DISPLAY: inline; FONT-FAMILY: Times New Roman">DNB FINANCIAL CORPORATION AND Subsidiary</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Peignot Demi; FONT-SIZE: 14pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Consolidated Statements of Stockholders&#8217; Equity (Unaudited)</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Other</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Preferred</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Common</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Treasury</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Retained</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Comprehensive</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Warrants</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Surplus</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Earnings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Balance at January 1, 2012</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.76%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">12,962&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,891&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.2%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(4,252) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.52%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">35,060&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,871&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(1,476) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">51,056&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Net income for nine months ended September 30, 2012</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,918&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,918&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Accretion of discount on AFS to HTM reclassification</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Sale of treasury shares to deferred comp plan (6,615 shares)</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.2%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">85&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">85&#160; </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Balance at September 30, 2012</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.76%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">12,974&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,897&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.2%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(4,002) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.52%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">35,159&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,087&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(442) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">55,673&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Preferred</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Common</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Treasury</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Retained</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Comprehensive</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Warrants</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Stock</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Surplus</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Earnings</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Balance at January 1, 2011</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.76%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">11,541&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,884&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.74%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">151&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.2%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(4,515) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Net income for nine months ended September 30, 2011</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,598&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,598&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Accretion of discount on AFS to HTM reclassification</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Unrealized gains on AFS securities, net</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">13,000&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Repurchase of CPP Preferred stock</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(11,750) </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">SBLF issuance cost</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(45) </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Repurchase of stock warrants</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.2%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">23&#160; </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">23&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 22.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Balance at September 30, 2011</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.76%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">12,958&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,889&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.2%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(4,328) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.52%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">35,045&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,786&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(798) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.92%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">50,552&#160; </td>
  </tr></table>
  </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">See accompanying notes to unaudited consolidated financial statements.</font> </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">6</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><a name="fis_cash_flow"><!--EFPlaceholder--></a><a name="fis_income_statement_2"><!--EFPlaceholder--></a><font style="FONT-VARIANT: small-caps; FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">DNB Financial Corporation and Subsidiary</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Peignot Demi; FONT-SIZE: 14pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Consolidated Statements of Cash Flows (Unaudited)</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td colspan="4" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td colspan="4" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">September 30,</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 9pt">(Dollars in thousands)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">2011</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Cash Flows From Operating Activities:</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,918&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,598&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Adjustments to reconcile net income to net cash provided by operating activities:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Depreciation, amortization and accretion</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,462&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,754&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Provision for credit losses</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,275&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,278&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Unvested stock amortization</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">105&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">63&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net gain on sale of securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(240) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(2) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net loss on sale and write down of OREO and other repossessed property</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">229&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Earnings from investment in BOLI</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(178) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(181) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Deferred tax benefit</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Proceeds from sales of SBA loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,013&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,869&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">SBA loans originated for sale</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(2,855) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(3,588) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Gain on sale of SBA loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(158) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(281) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Increase in accrued interest receivable</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(252) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(354) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">(Increase) decrease in other assets</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(604) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">344&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Decrease in accrued interest payable</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(68) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(137) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Increase (decrease) in other liabilities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">730&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(433) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net Cash Provided By Operating Activities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,387&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,933&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Cash Flows From Investing Activities:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Activity in available-for-sale securities:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Sales</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14,418&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">15,762&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Maturities, repayments and calls</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">32,070&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">37,615&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Purchases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(61,867) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(39,585) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Activity in held-to-maturity securities:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Sales</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">289&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Maturities, repayments and calls</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,843&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,943&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Purchases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(22,839) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(13,932) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net decrease in restricted stock</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">198&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">443&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net (increase) decrease in loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">169&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(18,014) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net purchases of property and equipment, less proceeds from disposals</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(508) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(332) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Proceeds from sale of OREO and other repossessed property</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">203&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">461&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Cash received in connection with acquisition of branch, net of cash used</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">15,234&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net Cash Used By Investing Activities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(17,790) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(13,639) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Cash Flows From Financing Activities:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net increase in deposits</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,477&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,760&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Repayment of FHLBP advances</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(5,000) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net (decrease) increase in short term repurchase agreements</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(6,363) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,227&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Decrease in other borrowings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(20) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(17) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Dividends paid </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(825) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(743) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Proceeds from the issuance of preferred stock (SBLF)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12,955&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Repurchase of preferred stock and warrant (CPP)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(12,208) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Sale of treasury stock, net</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">250&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">187&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net Cash Provided by Financing Activities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(2,481) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,161&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Net Change in Cash and Cash Equivalents&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(13,884) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(3,545) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Cash and Cash Equivalents at Beginning of Period&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">32,877&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26,360&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Cash and Cash Equivalents at End of Period</font><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">18,993&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">22,815&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Supplemental Disclosure of Cash Flow Information:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Cash paid during the period for:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Interest</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,952&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,749&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Income taxes</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,061&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,959&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Supplemental Disclosure of Non-cash Flow Information:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Transfers from loans and leases to real estate owned and other repossessed property</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">322&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">39&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Transfers of securities from AFS to HTM at fair value (amortized cost of $20,228)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">20,112&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Acquisition adjustments to fair value:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Core deposits intangible</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(130) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Accrued interest payable</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">66&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Property and Equipment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">686&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 76.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Deposits</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(15,861) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
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  </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">See accompanying notes to unaudited consolidated financial statements.</font> </div>
  </div>
  
  <div style="MARGIN-LEFT: 36pt">
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">7</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 1: BASIS OF PRESENTATION </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">The accompanying unaudited consolidated financial statements of DNB Financial Corporation (referred to herein as the "Corporation" or "DNB") and its subsidiary, DNB First, National Association (the "Bank") have been prepared in accordance with the instructions for Form 10-Q and therefore do not include certain information or footnotes necessary for the presentation of financial condition, statement of operations and statement of cash flows required by generally accepted accounting principles. However, in the opinion of management, the consolidated financial statements reflect all adjustments (which consist of normal recurring adjustments) necessary for a fair presentation of the results for the unaudited periods. Prior amounts not affecting net income are reclassified when necessary to conform to current period classifications. The results of operations for the three month and </font><font style="DISPLAY: inline">nine month periods ended September 30</font><font style="DISPLAY: inline">, 2012 are not necessarily indicative of the results which may be expected for the entire year.&#160;&#160;The consolidated financial statements should be read in conjunction with the Annual Report and report on Form 10-K for the year ended December 31, 2011.&#160; </font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Subsequent Events--</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> Management has evaluated events and transactions occurring subsequent to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012 for items that should potentially be recognized or disclosed in these Consolidated Financial Statements. The evaluation was conducted through the date these financial statements were issued.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 2: BRANCH PURCHASE</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Bank consummated the Branch Acquisition on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">June 11, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.&#160;&#160;The Bank purchased specified assets of the branch, including personal loans totaling $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">66,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, real estate, furniture and equipment totaling $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">670,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and&#160;&#160;assumed approximately $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">15.9</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million of deposits.&#160;&#160;The Branch Acquisition includes the payment to Capital Bank of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">130,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> or a 0.82%&#160;&#160;premium on the deposits.&#160;&#160;</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 3: INVESTMENT SECURITIES</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The amortized cost and estimated fair values of investment securities, as of the dates indicated, are summarized as follows:</font> </div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Amortized</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Gains</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Losses</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Fair&#160;Value</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Held To Maturity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">US Government agency obligations</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,210&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">595&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,805&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Government Sponsored Entities (GSE) mortgage-backed securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10,473&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">544&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">11,017&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Corporate bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,513&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">271&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(5) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,779&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Collateralized mortgage obligations GSE</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,805&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">196&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8,001&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">State and municipal tax-exempt</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">22,089&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">769&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">22,858&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">54,090&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,375&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(5) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">56,460&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160; </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Available For Sale</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">US Government agency obligations</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">36,772&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">110&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">36,881&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">GSE mortgage-backed securities</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">24,183&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">703&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">24,886&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Collateralized mortgage obligations GSE</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10,746&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">62&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(19) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10,789&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Corporate bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">38,838&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">825&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(224) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">39,439&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">State and municipal tax-exempt</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,108&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(11) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,097&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Asset-backed securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,703&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">88&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,791&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Certificates of deposit</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,000&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,003&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Equity securities</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">27&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(269) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">123,900&#160; </td>
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  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="7" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Amortized</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unrealized</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unrealized</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Estimated</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Cost</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Gains</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Losses</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair&#160;Value</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Held To Maturity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Government Sponsored Entities (GSE) mortgage-backed securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">14,363&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">493&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">14,856&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Corporate Bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,548&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">18&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,566&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Collateralized mortgage obligations GSE</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8,139&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">163&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8,302&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">State and Municipal tax-exempt</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12,377&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">580&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12,957&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">36,427&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,254&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">37,681&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160; </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Available For Sale</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">US Government agency obligations</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">43,698&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">194&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">43,891&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">GSE mortgage-backed securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24,792&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">533&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(12) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">25,313&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Collateralized mortgage obligations GSE</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,148&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(20) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,152&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Corporate bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">27,141&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">84&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(878) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26,347&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Asset-backed securities </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,737&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">78&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,815&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Equity securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">27&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.6%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.6%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(15) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 59.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.22%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">107,543&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair Value</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unrealized</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Impaired</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Impaired</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unrealized</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Less Than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Less Than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">More Than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">More Than</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair Value</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Held To Maturity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Corporate bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,595&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(5) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,595&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(5) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,595&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(5) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,595&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(5) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Available For Sale</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">US Government agency obligations</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,029&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,029&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Collateralized mortgage obligations GSE</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,023&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(19) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,023&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(19) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Corporate bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,778&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(224) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,459&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(41) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,319&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(183) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">State and municipal tax-exempt</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,097&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,097&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Certificates of deposit</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">249&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">249&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Equity securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(13) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(13) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17,190&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(269) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">12,857&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(73) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,333&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(196) </td>
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  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Impaired</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Impaired</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unrealized</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Less Than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Less Than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">More Than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">More Than</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair Value</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loss</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">12 Months</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Available For Sale</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">US Government agency obligations</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,522&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">GSE mortgage-backed securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,428&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,428&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Collateralized mortgage obligations GSE</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,554&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(20) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,554&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(20) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Corporate bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">18,023&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(878) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">14,232&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(477) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,791&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(401) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Equity securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(15) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.2%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(15) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 31.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">28,539&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(926) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.2%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">24,736&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(510) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,803&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(416) </td>
  </tr></table>
  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">9</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">As of September 30, 2012, there were </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">eight</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> corporate bonds, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">two</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> U.S. agency obligations, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">two</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> collateralized mortgage obligations,</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> three</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> tax-exempt municipalities, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">one</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">certificate</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> of deposit, and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">six</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> equity securities which were in an unrealized loss position. Twelve of these twenty-two securities did not meet the criteria of having market value loss greater than 10% of book value or had been impaired for more than 12 months. DNB does not intend to sell these securities and management of DNB does not expect to be required to sell any of these securities prior to a recovery of its cost basis. Management does not believe any individual unrealized loss as of September 30, 2012 represents an other-than-temporary impairment. There were </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">four</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> corporate bonds and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">six</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> equity securities that were impaired for more than 12&#160;months. One of the corporate bonds that </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">was</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">impaired for more than 12 months had a market value loss greater than 10% of book value. DNB reviews its investment portfolio on a quarterly basis judging each investment for other-than-temporary impairment (OTTI). The OTTI analysis focuses on duration and amount by which a security is below book. As of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">30, 2012, the following securities were reviewed:</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">Corporate Securities </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The unrealized loss on eight investments in the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">c</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">orporate </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">b</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">ond </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">portfolio was </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">caused by a number of factors. Some of the bonds have had downgrades since they were purchased. Some of the Corporates have been affected by the market's perception of the impact of sovereign debit holdings and spreads on the financial sector have widened since they were purchased</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. The book value of the four securities is $4.5 million and the unrealized loss is $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">183</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> or </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4.0%</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. Three of the bonds have been impaired for more than twelve months and have a loss less than 10% of the book value. One of the bonds has been impaired for more than twelve months and has a loss greater than 10% of the book value. The contractual terms of those investments do not permit the issuer to settle these securities at a price less than the par value of the investments. Based on this analysis and an evaluation of DNB&#8217;s ability and intent to hold these securities for a reasonable period of time sufficient for each security to increase to DNB&#8217;s cost, DNB does not intend to sell these securities and it is not more likely than not that DNB will be required to sell the securities before recovery of their cost, DNB does not consider these securities to be other-than-temporarily impaired at September 30, 2012.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">Equity securities.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;DNB&#8217;s investment in six marketable equity securities consists primarily of securities in common stock of community banks in Pennsylvania. The unrealized losses on the six securities in the equity securities portfolio were all impaired for more than twelve months. The severity and duration of the impairment are driven by higher collateral losses, wider credit spreads, and changes in interest rates within the financial services sector. DNB evaluated the prospects of all issuers in relation to the severity and duration of the impairment. Based on this analysis and an evaluation of DNB&#8217;s ability and intent to hold these securities for a reasonable period of time sufficient for each security to increase to DNB&#8217;s cost, DNB does not intend to sell these securities and it is not more likely than not that DNB will be required to sell the securities before recovery of their cost, DNB does not consider these securities to be other-than-temporarily impaired at September 30, 2012.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The amortized cost and estimated fair value of investment securities as of September 30, 2012, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain securities may be called or prepaid without penalties.</font> </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">10</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Held to Maturity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Available for Sale</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Amortized</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Estimated</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Amortized</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Estimated</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Cost</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair Value</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Cost</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair Value</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Due in one year or less</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,556&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,597&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Due after one year through five years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">48,786&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">49,442&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Due after five years through ten years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">23,324&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">24,346&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">25,304&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">25,333&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Due after ten years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">30,749&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">32,097&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">43,704&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">44,514&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">No stated maturity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">27&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 63.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total investment securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">54,090&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">56,460&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.52%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">122,377&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.48%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">123,900&#160; </td>
  </tr></table>
  </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 62.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Three Months Ended</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 62.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30,</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30,</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 62.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 62.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Gross realized gains-AFS</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">161&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
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  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Gross realized losses-AFS</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(6) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(83) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 62.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Net realized gain</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">161&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">240&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2&#160; </td>
  </tr></table>
  </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">At September 30, 2012 and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">December 31 </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2011, investment securities with a carrying value of approximately $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million, respectively, were pledged to secure public funds, repurchase agreements&#160;&#160;and for other purposes as required by law.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 4: LOANS AND LEASES</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160; &#160;</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">The following table sets forth information concerning the composition of total loans and leases outstanding, as of the dates indicated. </font></div>
  
  <div style="WIDTH: 100%">
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  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.5%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">25,858&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">26,461&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">240,188&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">232,297&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">94,690&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">101,120&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">62&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">191&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">41,579&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">43,615&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">402,377&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">403,684&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Less allowance for credit losses</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(6,557) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(6,164) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 69.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Net loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.5%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">395,820&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.36%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">397,520&#160; </td>
  </tr></table>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Included in the loan portfolio are loans for which DNB has ceased the accrual of interest (i.e.&#160;non-accrual loans). Loans of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">approximately $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7.1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million and</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;$</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7.4</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million as of September 30, 2012 and December 31, 2011, respectively, were on a non-accrual basis. DNB also had loans of approximately $2.7 million and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">210,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> that were 90&#160;days or more delinquent, but still accruing, as of September 30, 2012 and December 31, 2011, respectively. If contractual interest income had been recorded on non-accrual loans, interest would have been increased as shown in the following table: </font></div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">11</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30,</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest income which would have been recorded under original terms</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">255&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">291&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest income recorded during the period</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.06%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(3) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.06%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(38) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 81.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Net impact on interest income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">252&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">253&#160; </td>
  </tr></table>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 5: ALLOWANCE FOR CREDIT LOSSES</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans are loans individually evaluated for collectability, and which will probably not be collected in accordance with their contractual terms. Information regarding impaired loans is for the periods indicated is as follows:</font> </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">At and For the</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="3" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30,</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total recorded investment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.84%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,298&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">8,134&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans with a specific allowance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.84%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,112&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,992&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans without a specific allowance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.84%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,186&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,142&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Average recorded investment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.84%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,838&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,301&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Specific allowance allocation</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.84%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">849&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">355&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total cash collected</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.84%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,005&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,527&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest income recorded</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.84%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">213&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">59&#160; </td>
  </tr></table>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the past due status as of September 30, 2012 and December 31, 2011.&#160; </font></div>
  
  <div style="MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Age Analysis of Past Due Loans Receivables</font> </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Loans</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Receivable</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 9pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">30-59</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">60-89</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Greater</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&gt; 90</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 9pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Days Past</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Days Past</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Days and</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 9pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Due</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Due</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">90 Days</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Past Due</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Current</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Receivables</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Accruing</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">963&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,261&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,224&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">22,634&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">25,858&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.24%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">60&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">75&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,805&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,880&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">237,308&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">240,188&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.24%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,485&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial term</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">65&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">65&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79,798&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79,863&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial construction</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,031&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,031&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12,796&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">14,827&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">33&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">212&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">245&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">34,129&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">34,374&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.24%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">93&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Other</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">107&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">90&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">83&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">280&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,925&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,205&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.24%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">83&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,178&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">90&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,490&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8,758&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">393,619&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">402,377&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.24%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,721&#160; </td>
  </tr></table>
  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">12</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Receivable</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">30-59</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">60-89</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Greater</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&gt; 90</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Days Past</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Days Past</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">than</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Days and</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Due</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Due</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">90 Days</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Past Due</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Current</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Receivables</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Accruing</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">692&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,873&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,565&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">23,896&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">26,461&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">257&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,324&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,581&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">229,716&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">232,297&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.24%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">210&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial term</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">54&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">200&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">254&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">76,048&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">76,302&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Commercial construction</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">312&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">312&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24,506&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24,818&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Lease financing</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">130&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">191&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">175&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">60&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">235&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">35,807&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">36,042&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Other</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">15&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">21&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">36&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,537&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,573&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 34.7%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,139&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">54&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,851&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.12%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,044&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">397,640&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">403,684&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.72%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.24%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">210&#160; </td>
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  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following table sets forth those assets that are: (i)&#160;placed on non-accrual status, (ii)&#160;contractually delinquent by 90&#160;days or more and still accruing, (iii)&#160;troubled debt restructurings other than those included in items&#160;(i) and (ii), and (iv)&#160;OREO as a result of foreclosure or voluntary transfer to DNB as well as other repossessed assets.</font> </div>
  
  <div style="MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-Performing Assets</font> </div>
  
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  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 15.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 15.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 15.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Non-accrual loans:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 15.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,201&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,873&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">320&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,114&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,391&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,233&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">33&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">163&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">151&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total non-accrual loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,108&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7,432&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Loans 90&#160;days past due and still accruing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,721&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">210&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total non-performing loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,829&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7,642&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Other real estate owned&#160;&amp; other repossessed property</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,864&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,974&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total non-performing assets</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 15.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">13,693&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.82%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">11,616&#160; </td>
  </tr></table>
  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">13</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following tables summarize information in regards to impaired loans by loan portfolio class as of and for the three and nine months ended September 30, 2012 and as of and for the year ended December 31, 2011.</font> </div>
  
  <div style="MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impaired Loans</font> </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recorded</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recorded</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Income</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Income</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 7pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recorded</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Unpaid</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Related</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Investment</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Investment</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recognized</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recognized</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 7pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Investment</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Principal</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Allowance</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">three months ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">nine months ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">three months ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">months ended</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 7pt">(Dollars in thousands)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Balance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">With no related allowance recorded:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,390&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,887&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,409&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,207&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial mortgage</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">240&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">171&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial term</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">65&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">399&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">76&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">139&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial construction</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,295&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,833&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,177&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,318&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">130&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">130&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">33&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">47&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">54&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">163&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">164&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">161&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">156&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">With allowance recorded:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">66&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,390&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,887&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,409&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,207&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">399&#160; </td>
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  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">76&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">139&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,326&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,864&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.02%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">806&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,208&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,521&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">157&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">196&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">33&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">47&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">54&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">163&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">164&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">161&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">156&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,298&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8,692&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.02%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">849&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Average</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Average</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Interest</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Interest</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recorded</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recorded</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Income</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 7pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recorded</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Unpaid</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Related</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Investment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Investment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recognized</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Recognized</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 7pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Investment</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Principal</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Allowance</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">three months ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">year ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">three months ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">year ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 7pt">(Dollars in thousands)</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">Balance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 7pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">With no related allowance recorded:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,014&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,413&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,262&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,019&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">821&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">58&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial term</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">107&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">755&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">959&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,114&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,116&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.02%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">826&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,057&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">444&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial:</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial term</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">192&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">450&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial construction</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,720&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,833&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.02%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">359&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,952&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,813&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">27&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,014&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,413&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,017&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,054&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial mortgage</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,114&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,116&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.02%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">826&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,076&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,265&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">58&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.48%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial term</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">202&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">566&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">409&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">656&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial construction</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 24pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,032&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,467&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.02%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">359&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,108&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,152&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Lease financing</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">74&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">63&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">150&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">151&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">152&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">107&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 30.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.42%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,574&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.34%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8,788&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.02%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,185&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.96%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,780&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.48%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,356&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.78%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">59&#160; </td>
  </tr></table>
  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">14</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following tables present the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within DNB&#8217;s internal risk rating system as of September 30, 2012 and December 31, 2011</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Credit Quality Indicators</font> </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="9" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
  </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Special</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Pass</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Mention</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Substandard</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Doubtful</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">23,363&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,495&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">25,858&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">215,040&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.16%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">11,169&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">13,979&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">240,188&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial term</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79,289&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.16%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">430&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">65&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79,863&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial construction</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,598&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,198&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,031&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">14,827&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">62&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">62&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Home equity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">34,069&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">305&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">34,374&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Other</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,201&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,205&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">365,622&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.16%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">11,248&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">23,411&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,096&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">402,377&#160; </td>
  </tr></table>
  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">15</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Doubtful</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">24,589&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,872&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">26,461&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">214,086&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.16%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">11,346&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,834&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,031&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">232,297&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial term</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">74,961&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.16%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">690&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">586&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">65&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">76,302&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Commercial construction</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">17,624&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,194&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24,818&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">191&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">191&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Consumer:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Home equity</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">35,976&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">66&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">36,042&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Other</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,573&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,573&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.62%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Total</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.3%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">375,000&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.16%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">12,036&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.1%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14,552&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,096&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.28%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">403,684&#160; </td>
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  <div style="TEXT-INDENT: 36pt; MARGIN: 6pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following tables sets forth the composition of DNB&#8217;s allowance for credit losses as of September 30, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and 2011</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, the activity for the three and nine months ended September 30, 2012 and 2011 </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">as of and for</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">the year ended December 31, 2011.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for Credit Losses and Recorded Investment in Loans Receivables</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Lease</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Residential</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unallocated</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Allowance for credit losses:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Beginning balance - July 1, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,800&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">378&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">268&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Recoveries</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">59&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Provisions</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">486&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">104&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(12) </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(175) </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">375&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance - September 30, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,299&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">406&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Lease</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Residential</font></div>
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  </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Commercial</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">financing</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">mortgage</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Consumer</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unallocated</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Allowance for credit losses:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Beginning balance - January 1, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,945&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">383&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">260&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">566&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,164&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Charge-offs</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(876) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(99) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(9) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(985) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Recoveries</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">36&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">15&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">103&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Provisions</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,204&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(42) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">107&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(16) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">22&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,275&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance - September 30, 2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,299&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">406&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">261&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">588&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,557&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: individually evaluated for impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">849&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">849&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: collectively evaluated for&#160;impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,450&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">406&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">261&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">588&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,708&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loans receivables:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">334,878&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">62&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">25,858&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">41,579&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">402,377&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: individually evaluated for impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,712&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">33&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,390&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Reserve for unfunded loan commitments</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Lease</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Residential</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">mortgage</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unallocated</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Beginning balance - July 1, 2011</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,685&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">19&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">386&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">482&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">871&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,443&#160; </td>
  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Charge-offs</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(32) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(521) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Recoveries</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">23&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Provisions</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(21) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">15&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">171&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(12) </td>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">426&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance - September 30, 2011</font></div>
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  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">16</font> </div>
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  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Lease</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Residential</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unallocated</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Allowance for credit losses:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Beginning balance - January 1, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,387&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">86&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">454&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">482&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
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  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Charge-offs</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(894) </td>
  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Recoveries</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">74&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">20&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">103&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Provisions</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">292&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">134&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">207&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(24) </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">669&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,278&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance - September 30, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,258&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">497&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">446&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,144&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,371&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: individually evaluated for impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">254&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">101&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">355&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: collectively evaluated for&#160;impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,004&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">396&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">446&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,144&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,016&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loans receivables:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">337,683&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">264&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26,975&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">46,452&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">411,374&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: individually evaluated for impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,839&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">65&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,020&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">210&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">8,134&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: collectively evaluated for&#160;impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">331,844&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">199&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">24,955&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">46,242&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">403,240&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Reserve for unfunded loan commitments</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">92&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">17&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">109&#160; </td>
  </tr></table>
  </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Residential</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Unallocated</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Allowance for credit losses:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Beginning balance - January 1, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,387&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">86&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">454&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">482&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">475&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,884&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Charge-offs</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(768) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(200) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(280) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(64) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1,312) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Recoveries</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">9&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">21&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">112&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Provisions</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,317&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">121&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">130&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(179) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">91&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,480&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance - December 31, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,945&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">10&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">383&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">260&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">566&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,164&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: individually evaluated for impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,185&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">1,185&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: collectively evaluated for&#160;impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,760&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">10&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">383&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">260&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.26%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">566&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">4,979&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Loans receivables:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">333,417&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">191&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26,461&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">43,615&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">403,684&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: individually evaluated for impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,348&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">61&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">2,014&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.32%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">151&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.38%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7,574&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 38.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">Ending balance: collectively evaluated for&#160;impairment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.66%; FONT-FAMILY: times new roman; FONT-SIZE: 8pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">328,069&#160; </td>
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  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">17</font> </div>
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  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 6: EARNINGS PER SHARE&#160; </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Basic earnings per share ("EPS") is computed based on the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the treasury stock method and reflects the potential dilution that could occur from the exercise of stock options, and warrants and the amortized portion of unvested stock awards. Stock options and unvested stock awards for which the exercise or the grant price exceeds the average market price over the period have an anti-dilutive effect on EPS and, accordingly, are excluded from the calculation. Treasury shares are not deemed outstanding for calculations. There were no </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">outstanding stock warrants in 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">128,568</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> anti-dilutive stock options outstanding, and no anti-dilutive stock awards outstanding at September 30, 2012. There were no anti-dilutive stock warrants outstanding, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">149,561</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> anti-dilutive stock options outstanding, and no anti-dilutive stock awards at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2011. See Note&#160;11 for a discussion of stock warrants issued </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">and redeemed </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">in conjunction with Preferred shares issued to the U.S. Treasury Department as part of the CPP. The following table sets forth the computation of basic and diluted earnings per share:</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="5" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="5" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="5" valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(In thousands, except per-share data)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Shares</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Amount</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Income</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Shares</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Amount</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Basic EPS</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Income available to common stockholders</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.94%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,379&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,714&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">0.51&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,623&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,708&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1.34&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Effect of potential dilutive common stock equivalents&#8211; stock options and&#160;&#160;restricted shares</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">31&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(0.01) </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">27&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(0.02) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Diluted EPS</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Income available to common stockholders after assumed conversions</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.94%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,379&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,745&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">0.50&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,623&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Income</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Shares</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Amount</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Basic EPS</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Income available to common stockholders</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.94%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">964&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,678&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0.36&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,958&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,708&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.11&#160; </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 45.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Effect of potential dilutive common stock equivalents&#8211; stock options, restricted shares and warrants</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">18&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.64%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">27&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.22%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(0.01) </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Diluted EPS</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Income available to common stockholders after assumed conversions</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 7: JUNIOR SUBORDINATED DEBENTURES </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB has two issuances of junior subordinated debentures (the "debentures") as follows. The majority of the proceeds of each issuance were invested in DNB&#8217;s subsidiary, DNB First, National Association, to increase the Bank&#8217;s capital levels. The junior subordinated debentures issued in each case qualify as a component of capital for regulatory purposes. DNB Capital Trust I and II are special purpose Delaware business trusts, which are not consolidated.</font> </div>
  
  <div style="MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB Capital Trust I</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB&#8217;s first issuance of junior subordinated debentures was on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">July&#160;20, 2001</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. This issuance of debentures are floating rate and were issued to DNB Capital Trust I, a Delaware business trust in which DNB owns all of the common equity. DNB Capital Trust I issued $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">floating rate (6&#160;month Libor plus 3.75%, with a cap of 12%) </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">capital preferred securities to a qualified institutional buyer. The proceeds of these securities were used by the Trust, along with DNB&#8217;s capital contribution, to purchase $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5,155,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> principal amount of DNB&#8217;s floating rate junior subordinated debentures. The preferred securities have been redeemable since </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">July&#160;25, 2006</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and must be redeemed upon maturity of the debentures on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">July&#160;25, 2031</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font> </div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB Capital Trust II</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB&#8217;s second issuance of junior subordinated debentures was on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">March&#160;30, 2005</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. This issuance of debentures are floating rate and were issued to DNB Capital Trust II, a Delaware business trust in which DNB owns all of the common equity. DNB Capital Trust II issued $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4.0</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">floating rate (the rate was fixed at 6.56% for the first 5&#160;years and is now adjusting at a rate of 3-month LIBOR plus 1.77%)</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> capital preferred securities. The proceeds of these securities were used by the Trust, along with DNB&#8217;s capital contribution, to purchase $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4.1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million principal amount of DNB&#8217;s floating rate junior subordinated debentures. The preferred securities have been redeemable since </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">May&#160;23, 2010</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. The preferred securities must be redeemed upon maturity of the debentures on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">May&#160;23, 2035</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font> </div>
  
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  <div style="BORDER-BOTTOM: #d9d9d9 1pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">NOTE 8: STOCK-BASED COMPENSATION</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Frutiger 45; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-STYLE: normal; DISPLAY: inline; FONT-FAMILY: Times New Roman; TEXT-DECORATION: underline">&#160;</font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Frutiger 45; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-STYLE: normal; DISPLAY: inline; FONT-FAMILY: Times New Roman; TEXT-DECORATION: underline">Stock Option Plan</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Frutiger 45; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB has a Stock Option Plan for employees and directors. Under the plan, options (both qualified and non-qualified) to purchase a </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">maximum of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">79</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3,368</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> (as adjusted</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> for subsequent stock dividends) shares of DNB&#8217;s common stock could be issued to employees and directors. Under the plan, option exercise prices must equal the fair market value of the shares on the date of option grant and the option exercise period may not exceed </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">ten</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> years. Vesting of options under the plan is determined by the Plan Committee. There </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">were </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">327,964</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> shares available for</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> grant at September 30, 2012. All options with the exception of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">44,600</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> options granted on April&#160;23, 2010 and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">44,600</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> options granted on December 12, 2011 are immediately exercisable. The options granted on April&#160;23, 2010 have a fair value of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">100,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> or $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.25</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share, based on a risk free interest rate of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.273</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">%, a dividend yield of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1.73</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% and a volatility of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">35.564</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% and are subject to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">four</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> year cliff vesting. These options which expire on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">April&#160;23, 2017</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> if not exercised or cancelled, have an exercise price of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6.93</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share, and the shares are restricted from resale for </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">two</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> years after exercise. These options are exercisable only at and after such time as the market value of the common stock first equals or exceeds $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7.97</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, which is </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">115</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% of the $6.93 exercise price. The options granted on December 12, 2011 have a fair value of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">141,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> or $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.17</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share, based on a risk free interest rate of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1.445</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">%, a dividend yield of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1.16</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% and a volatility of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">36.513</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% and are subject to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">three</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> year cliff vesting. These options which expire on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">December 12, 2018</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> if not exercised or cancelled, have an exercise price of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">10.31</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share, and the shares are restricted from resale for two years after exercise. These options are exercisable only at and after such time as the market value of the common stock first equals or exceeds $11.34, which is 110% of the $10.31 exercise price.&#160;&#160;DNB expensed $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">52</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> during the nine months ended September 30, 2012 and anticipates additional expense of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">37,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> through April&#160;23, 2014 for the options granted on April 23, 2010 and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">103,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> through </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">December 12, 2014</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> for the options granted on December 12, 2011, the dates the options can first be exercised. Stock option activity is indicated below.</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Number</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Weighted Average</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Outstanding</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Exercise Price</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Outstanding January 1, 2012</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">15.98&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Issued</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">- </font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Exercised</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">- </font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(2,605) </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">9.69&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Expired</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(19,215) </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">16.83&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Outstanding September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Number</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Weighted Average</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Outstanding</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Exercise Price</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Outstanding January 1, 2011</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">203,575&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">16.96&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Issued</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Exercised</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.32%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Forfeited</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(1,000) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6.93&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Expired</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(9,414) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">11.16&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 74.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Outstanding September 30, 2011</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.98%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">193,161&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.32%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17.29&#160; </td>
  </tr></table>
  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">19</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">The weighted-average price and weighted average remaining contractual life for the outstanding options are listed below for the dates indicated.&#160; </font></div>
  
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  <tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 11.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Range of</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted Average</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 11.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Remaining</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Intrinsic</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Prices</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercisable</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 11.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Contractual Life</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">6.93-10.99</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">8.67&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">5.41&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.24%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">652,000&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">14.00-19.99</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61,715&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61,715&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">17.62&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.97&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">20.00-22.99</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">18,812&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">18,812&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">22.78&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.22&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">23.00-24.27</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">48,041&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">48,041&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24.27&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.55&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">214,618&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">128,568&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">15.98&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.79&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.24%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">652,000&#160; </td>
  </tr></table>
  </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 11.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30, 2011</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Range of</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted Average</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 11.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Remaining</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Intrinsic</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Prices</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercisable</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 11.54%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Contractual Life</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">6.93-10.99</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.96%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6.93&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">5.57&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.24%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">115,000&#160; </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">14.00-19.99</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">82,419&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">82,419&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">17.44&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.23&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">20.00-22.99</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">19,101&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">19,101&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">22.78&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.23&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">23.00-24.27</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">48,041&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">48,041&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24.27&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.55&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 16.02%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">193,161&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.96%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">149,561&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 11.54%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17.29&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 20.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.84&#160;years</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.24%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">115,000&#160; </td>
  </tr></table>
  </div>
  
  <div style="TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Frutiger 45; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold"><font style="FONT-STYLE: normal; DISPLAY: inline; FONT-FAMILY: Times New Roman; TEXT-DECORATION: underline">&#160;</font></div>
  
  <div style="TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Frutiger 45; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold"><font style="FONT-STYLE: normal; DISPLAY: inline; FONT-FAMILY: Times New Roman; TEXT-DECORATION: underline">Other Stock-Based Compensation</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">DNB maintains an Incentive Equity and Deferred Compensation Plan (the "Plan"). The Plan provides that up to </font><font style="DISPLAY: inline">243,101</font><font style="DISPLAY: inline"> (as adjusted for subsequent stock dividends) shares of common stock may be granted, at the discretion of the Board, to individuals of the Corporation. Shares already granted are issuable on the earlier of three years after the date of the grant or a change in control of DNB if the recipients are then employed by DNB ("Vest Date").&#160;&#160;Upon issuance of the shares, resale of the shares is restricted for an additional one year, during which the shares may not be sold, pledged or otherwise disposed of. Prior to the Vest Date and in the event the recipient terminates association with DNB for reasons other than death, disability or change in control, the recipient forfeits all rights to the shares that would otherwise be issued under the grant.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">Share awards granted by the Plan were recorded at the date of award based on the market value of shares.&#160;&#160;Awards are being amortized to expense over the three-year cliff-vesting period. DNB records compensation expense equal to the value of the shares being amortized.&#160;&#160;For the three and nine-month periods ended September 30, 2012, $</font><font style="DISPLAY: inline">18,000</font><font style="DISPLAY: inline"> and $</font><font style="DISPLAY: inline">53</font><font style="DISPLAY: inline">,000</font><font style="DISPLAY: inline"> were amortized to expense. For the three and nine-month periods ended June 30, 2011, $</font><font style="DISPLAY: inline">15,000</font><font style="DISPLAY: inline"> and $</font><font style="DISPLAY: inline">45,000</font><font style="DISPLAY: inline">, respectively, were amortized to expense. At September 30, 2012, approximately $</font><font style="DISPLAY: inline">142,000</font><font style="DISPLAY: inline"> in additional compensation will be recognized over the remaining service period of approximately </font><font style="DISPLAY: inline">1.92</font><font style="DISPLAY: inline"> years. At September 30, 2012, </font><font style="DISPLAY: inline">177,424</font><font style="DISPLAY: inline"> shares were reserved for future grants under the Plan.&#160;&#160; </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Stock grant activity is indicated below:</font> </div>
  
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><a name="fis_management_analysis"><!--EFPlaceholder--></a><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline">&#160;</font> </div>
  
  <div style="WIDTH: 100%">
  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Weighted Average</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.26%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Shares</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Stock Price</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Non-vested stock awards&#8212;January 1, 2012</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Granted</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Vested</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
  </td>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Non-vested stock awards&#8212;September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 17.86%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8.67&#160; </td>
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  <div><font size="1">&#160; </font></div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">20</font> </div>
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  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Weighted Average</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Shares</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Stock Price</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Non-vested stock awards&#8212;January 1, 2011</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">22,750&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 17.86%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7.91&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Granted</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Forfeited</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Vested</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">&#8212;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 66.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Non-vested stock awards&#8212;September 30, 2011</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 12.26%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">22,750&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3.46%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 17.86%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7.91&#160; </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 9:&#160;&#160;INCOME TAXES</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160; &#160;</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">As of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012, the Corporation had no material unrecognized tax benefits or accrued interest and penalties. It is the Corporation&#8217;s policy to account for interest and penalties accrued relative to unrecognized tax benefits as a component of income tax expense.&#160;&#160;Federal and state tax years </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2009</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">through 2011 were open for examination as of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTE 10:&#160;&#160;FAIR VALUE OF FINANCIAL INSTRUMENTS&#160; </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">FASB ASC Topic 820, Fair Value Measurements and Disclosures, establishes a fair value hierarchy based on the nature of data inputs for fair value determinations, under which DNB is required to value each asset within its scope using assumptions that market participations would utilize to value that asset. When DNB uses its own assumptions, it is required to disclose additional information about the assumptions used and the effect of the measurement on earnings or the net change in assets for the period.</font> </div>
  
  <div style="TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The three levels of the fair value hierarchy under FASB ASC Topic 820 are as follows:</font> </div>
  
  <div style="TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Level&#160;1&#8212;Quoted prices in active markets for identical securities.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Level&#160;2&#8212;Quoted prices for similar instruments in active markets; quoted prices for identical or similar instruments in markets that are not active and model derived valuations whose inputs are observable or whose significant value drivers are observable.</font> </div>
  
  <div style="TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Level&#160;3&#8212;Instruments whose significant value drivers are unobservable.</font> </div>
  
  <div style="TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">A description of the valuation methodologies used for assets measured at fair value is set forth below:</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB&#8217;s available-for-sale investment securities, which generally include U.S. government agencies and mortgage backed securities, collateralized mortgage obligations, corporate bonds and equity securities are reported at fair value. These securities are valued by an independent third party ("preparer"). The preparer&#8217;s evaluations are based on market data. They utilize evaluated pricing models that vary by asset and incorporate available trade, bid and other market information. For securities that do not trade on a daily basis, their evaluated pricing applications apply available information such as benchmarking and matrix pricing. The market inputs normally sought in the evaluation of securities include benchmark yields, reported trades, broker/dealer quotes (only obtained from market makers or broker/dealers recognized as market participants), issuer spreads, two-sided markets, benchmark securities, bid, offers and reference data. For certain securities additional inputs may be used or some market inputs may not be applicable. Inputs are prioritized differently on any given day based on market conditions.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">U.S. Government agencies are evaluated and priced using multi</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8209;dimensional relational models and option adjusted spreads. State and municipal securities are evaluated on a series of matrices including reported trades and material event notices. Mortgage backed securities are evaluated using matrix correlation to treasury or floating index benchmarks, prepayment speeds, monthly payment information and other benchmarks. Other securities are evaluated using a broker-quote based application, including quotes from issuers.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans are those loans that the Bank has measured impairment generally based on the fair value of the loan&#8217;s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level&#160;3 fair values, based upon the lowest level of input that is significant to the fair value measurements.</font> </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">21</font> </div>
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  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 8pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">OREO assets are adjusted to fair value less estimated selling costs upon transfer of the loans to OREO. Subsequently, OREO assets are carried at the lower of carrying value or fair value. Fair value is based upon independent market prices, appraised values of the collateral or management&#8217;s estimation of the value of the collateral. There assets are included as level&#160;3 fair values.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following table summarizes the assets at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012 and December&#160;31, 2011 that are recognized on DNB&#8217;s balance sheet using fair value measurement determined based on the differing levels of input:</font> </div>
  
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">24,886&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10,789&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10,789&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">39,439&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">39,439&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;State and municipal tax-exempt bonds</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,097&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,097&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Asset-backed securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,791&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,791&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Certificates of deposit</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,003&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,003&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Equity securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.76%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total assets measured at fair value on a recurring basis</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.76%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">123,886&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets Measured at Fair Value on a Nonrecurring Basis</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.3%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,263&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,263&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">OREO and other repossessed property</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.3%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,182&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">25,313&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,152&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6,152&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Corporate bonds</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26,347&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26,347&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Asset-backed securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,815&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,815&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Equity securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.76%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total assets measured at fair value on a recurring basis</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.76%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">12&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.12%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">107,518&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">107,530&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets Measured at Fair Value on a Nonrecurring Basis</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.3%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,649&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,649&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">OREO and other repossessed property</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.3%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">100&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">100&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 64.36%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total assets measured at fair value on a nonrecurring basis</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.76%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.12%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.3%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">3,749&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
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  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">22</font> </div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following table presents additional information about assets measured at fair value on a nonrecurring basis and for which DNB has utilized Level 3 inputs to determine fair value:</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 18.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="6" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Quantitative Information about Level 3 Fair Value Measurement</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 24%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 18.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 3%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 24.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value </font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 24%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Valuation</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 18.66%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Range (Weighted </font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimate</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Techniques</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unobservable Input</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average)*</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 24.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired Loans- Commercial Construction</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Income approach</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Capitalization rate</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Disposal costs</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired Loans- Commercial Mortgage</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Appraisal of collateral (1)</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Disposal costs (2)</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 6pt 0pt 6pt 18pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">* As of </font><font style="DISPLAY: inline; FONT-SIZE: 9pt">September 30</font><font style="DISPLAY: inline; FONT-SIZE: 9pt">, 2012 there is only 1 loan in each impaired loan type.</font> </div>
  
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  <td align="left" valign="top" style="WIDTH: 36pt; DISPLAY: inline"><font style="MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(1)</font></td>
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  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; FONT-FAMILY: courier; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</font></div>
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  <div style="WIDTH: 100%">
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  <td align="left" valign="top" style="WIDTH: 36pt; DISPLAY: inline"><font style="MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(2)</font></td>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; FONT-FAMILY: courier; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Appraisals may be adjusted by management for qualitative factors and disposal costs. The range and weighted average of disposal costs are presented as a percent of the appraisal.</font></div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impaired loans.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7.3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012. Of this, $2.1&#160;million had a valuation allowance of $8</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">49</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5.2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million had no valuation allowance as of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012. Impaired loans had a carrying amount of $7.6&#160;million at December&#160;31, 2011. Of this, $4.8&#160;million had a valuation allowance of $1.2 million and $2.8&#160;million had no valuation allowance as of December&#160;31, 2011.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Real Estate Owned&#160;&amp; other repossessed property.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;Other real estate owned ("OREO") consists of properties acquired as a result of, or in-lieu-of, foreclosure. Properties or other assets (primarily repossessed assets formerly leased) are classified as OREO and other repossessed property are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying value or fair value, less estimated costs to sell. Costs relating to the development or improvement of the assets are capitalized and costs relating to holding the assets are charged to expense. DNB had $3.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of such assets at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012, which consisted of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million in OREO and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">139</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> in other repossessed property. DNB had $4.0&#160;million of such assets at December&#160;31, 2011, which consisted of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.8</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million in OREO and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">212,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> in other repossessed property. Subsequent to the repossession of these assets, DNB </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">wrote down the carrying values by $212,000 during the nine month period ending September 30, 2012.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 12pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB's policy is to recognize transfer between levels as of the actual date of the event or change in circumstances that caused the transfer. There were no transfers between level 1 and 2 for the three and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;months ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Below is management&#8217;s estimate of the fair value of all financial instruments, whether carried at cost or fair value on the Company&#8217;s consolidated balance sheet. The carrying amounts and estimated fair values of financial instruments at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012 and December&#160;31, 2011 are as follows:</font> </div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Carrying</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Level 1</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Level 2</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Level 3</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial assets</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Cash and cash equivalents</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">18,993&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">18,993&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">18,993&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">AFS investment securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">123,900&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">123,900&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">123,886&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">HTM investment securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">54,090&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">56,460&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">56,460&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,427&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,427&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,427&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Loans and leases, net of allowance</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">395,820&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">400,565&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">400,565&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Accrued interest receivable</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,788&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,788&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,788&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial liabilities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Deposits</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">517,883&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">516,357&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">410,937&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">105,420&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Repurchase Agreements</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17,407&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17,407&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17,407&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">FHLBP advances</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">20,000&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">21,803&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">21,803&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Junior subordinated debentures and other </font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,857&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.16%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10,478&#160; </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.15pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;-</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10,478&#160; </td>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 43.28%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">borrowings</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Estimated</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Carrying</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Fair</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Value</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial assets</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Cash and cash equivalents</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">32,877&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">32,877&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">AFS investment securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">107,530&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">107,530&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">HTM investment securities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">36,427&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">37,681&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Restricted stock</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,625&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,625&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Loans and leases, net of allowance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">397,520&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">395,320&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Accrued interest receivable</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,536&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,536&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial liabilities</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Deposits</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">497,545&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">490,681&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Borrowings</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">44,368&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">47,094&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Junior subordinated debentures</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">9,279&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8,481&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Accrued interest payable</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">444&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.58%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">444&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 79.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Off-balance sheet instruments</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.58%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 3.25pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;-</font></div>
  </td>
  </tr></table>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 9pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The specific estimation methods and assumptions used can have a substantial impact on the resulting fair values of financial instruments. Following is a brief summary of the significant assumptions, methods, and estimates used in estimating fair value.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Limitations</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;Fair value estimates are made at a specific point in time, based on relevant market information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time DNB&#8217;s entire holdings of a particular financial instrument. Because no market exists for a significant portion of DNB&#8217;s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash and Cash Equivalents, Accrued Interest Receivable and Accrued Interest Payable</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;The carrying amounts for short-term investments (cash and cash equivalents) and accrued interest receivable and payable approximate fair value. </font></div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">24</font> </div>
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  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB FINANCIAL CORPORATION AND SUBSIDIARY</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Unaudited)</font> </div>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment Securities&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The fair value of investment securities are determined by an independent third party ("preparer"). The preparer&#8217;s evaluations are based on market data. They utilize evaluated pricing models that vary by asset and incorporate available trade, bid and other market information. For securities that do not trade on a daily basis, their evaluated pricing applications apply available information such as benchmarking and matrix pricing. The market inputs normally sought in the evaluation of securities include benchmark yields, reported trades, broker/dealer quotes (only obtained from market makers or broker/dealers recognized as market participants), issuer spreads, two-sided markets, benchmark securities, bid, offers and reference data. For certain securities additional inputs may be used or some market inputs may not be applicable. Inputs are prioritized differently on any given day based on market conditions.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">U.S. Government agencies are evaluated and priced using multi</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8209;dimensional relational models and option adjusted spreads. State and municipal securities are evaluated on a series of matrices including reported trades and material event notices. Mortgage backed securities are evaluated using matrix correlation to treasury or floating index benchmarks, prepayment speeds, monthly payment information and other benchmarks. Other investments are evaluated using a broker</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8209; quote based application, including quotes from issuers. The carrying amount of non-readily marketable equity securities approximates liquidation value.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Restricted Stock</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;The carrying amount of restricted investment in Federal Home Loan Bank stock, Federal Reserve stock and ACBB stock approximates fair value, and considers the limited marketability of such securities.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, commercial mortgages, residential mortgages, consumer and non-accrual loans. The fair value of performing loans is calculated by discounting expected cash flows using an estimated market discount rate. Expected cash flows include both contractual cash flows and prepayments of loan balances. Prepayments on consumer loans were determined using the median of estimates of securities dealers for mortgage-backed investment pools.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The estimated discount rate considers credit and interest rate risk inherent in the loan portfolios and other factors such as liquidity premiums and incremental servicing costs to an investor. Management has made estimates of fair value discount rates that it believes to be reasonable. However, because there is no market for many of these financial instruments, management has no basis to determine whether the fair value presented would be indicative of the value negotiated in an actual sale.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The fair value for non-accrual loans not based on fair value of collateral is derived through a discounted cash flow analysis, which includes the opportunity costs of carrying a non-performing asset. An estimated discount rate was used for these non-accrual loans, based on the probability of loss and the expected time to recovery.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposits </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The fair values disclosed for demand deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts). The carrying amounts of variable-rate money market accounts, savings accounts, and interest checking accounts approximate their fair values at the reporting date. Fair values for fixed-rate CDs are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Federal Home Loan Bank of Pittsburgh advances</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;The fair value of the FHLBP advances is obtained from the FHLB and is calculated by discounting contractual cash flows using an estimated interest rate based on the current rates available for debt of similar remaining maturities and collateral terms.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Repurchase agreements&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Fair value approximates the carrying value of such liabilities due to their short-term nature.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Junior subordinated debentures&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The fair value for subordinated debentures is calculated using discounted cash flows based upon current market spreads to LIBOR for debt of similar remaining maturities and collateral terms.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Off-balance-sheet Instruments (Disclosed at Cost)</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;Off-balance-sheet instruments are primarily comprised of loan commitments, which are generally priced at market at the time of funding. Fees on commitments to extend credit and stand-by letters of credit are deemed to be immaterial and these instruments are expected to be settled at face value or expire unused. It is impractical to assign any fair value to these instruments. At </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012, un-funded loan commitments totaled $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million and stand-by letters of credit totaled $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.0</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million. At December&#160;31, 2011, un-funded loan commitments totaled $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">57.7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million and stand-by letters of credit totaled $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4.0</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million.</font> </div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">NOTE 11:&#160;&#160;STOCKHOLDERS&#8217; EQUITY </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">On January&#160;30, 2009, as part of the Capital Purchase Program ("CPP") of the Emergency Economic Stabilization Act of 2008 administered by the United States Department of the Treasury ("the Treasury"), DNB entered into a Letter Agreement and a Securities Purchase Agreement with the Treasury, pursuant to which the DNB issued and sold on January&#160;30, 2009, and the Treasury purchased for cash on that date (i)&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">11,750</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> shares of the Corporation&#8217;s Fixed Rate Cumulative Perpetual Preferred Stock, Series&#160;2008A, par value $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">10.00</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share, having a liquidation preference of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share ("the CPP shares"), and (ii)&#160;a ten-year warrant to purchase up to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">186,311</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> shares of the DNB&#8217;s common stock, $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1.00</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> par value, at an exercise price of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9.46</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share, for an aggregate purchase price of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">11,750,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> in cash. This transaction closed on January&#160;30, 2009. The issuance and sale of these securities was a private placement exempt from registration pursuant to Section&#160;4(2) of the Securities Act of 1933. The Bank provided dividends to the Corporation in connection with the $11,750,000 of Fixed Rate Cumulative Perpetual Preferred Stock sold on January&#160;30, 2009 as part of the CPP.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">On August 4, 2011, DNB entered into a Securities Purchase Agreement with the Secretary of the Treasury, pursuant to which the Company issued and sold to the Treasury </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">13,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> shares of its Non-Cumulative Perpetual Preferred Stock, Series 2011A ("Series 2011A Preferred Stock"), having a liquidation preference of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> per share for aggregate proceeds of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">13,000,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.&#160;&#160;&#160;The Securities Purchase Agreement was entered into, and the Series 2011A Preferred Stock was issued, pursuant to the Treasury&#8217;s Small Business Lending Fund program ("SBLF"), a $30 billion fund established under the Small Business Jobs Act of 2010, that encourages lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion.&#160;Of the $13 million in aggregate proceeds, $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">11,879,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> was used to repurchase all CPP shares ($</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">11,750,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> was paid in principal and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">128,900</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> in accrued, unpaid dividends related to the CPP shares) held by the Treasury as described above. The securities sold in this transaction were exempt from registration under Section 4(2) of the Securities Act of 1933, as amended, as a transaction by DNB not involving a public offering.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Series 2011A Preferred Stock is entitled to receive non-cumulative dividends payable quarterly, on each January 1, April 1, July 1 and October 1, beginning October 1, 2011.&#160;&#160;The dividend rate, which is calculated on the aggregate Liquidation Amount, was initially set at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.874</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% per annum, and&#160;&#160;was based upon the level of "Qualified Small Business Lending", or "QSBL" (as defined in the Securities Purchase Agreement) originated by the Company&#8217;s wholly owned national bank subsidiary DNB First, N.A. (the "Bank").&#160;&#160;The dividend rate for dividends beyond the initial period are&#160;&#160;based upon the "Percentage Change in Qualified Lending" (as defined in the Securities Purchase Agreement) between each dividend period and the "Baseline" QSBL level.&#160;&#160;Such dividend rate may vary from </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% per annum to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% per annum for the second through tenth dividend periods depending on the volume of Qualified Small Business Lending the Bank will originate in future periods, and will be fixed at a rate between </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% per annum to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% per annum and remain unchanged up to four and one-half years following the funding date (the eleventh through the first half of the nineteenth dividend periods).&#160;&#160;Because it is not feasible to predict the volume of Qualified Small Business Lending in future periods, it is not feasible to estimate specific future dividend rates under this formula.&#160;&#160;If the Series 2011A Preferred Stock remains outstanding for more than four-and-one-half years, the dividend rate will be fixed at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">%.&#160;&#160;Prior to that time, in general, the dividend rate decreases as the level of the Bank&#8217;s Qualified Small Business Lending increases.&#160;&#160;Such dividends are not cumulative, but the Company may only declare and pay dividends on its common stock (or any other equity securities junior to the Series 2011A Preferred Stock) if it has declared and paid dividends for the current dividend period on the Series 2011A Preferred Stock, and will be subject to other restrictions on its ability to repurchase or redeem common stock and other securities.&#160;&#160;In addition, if (i) the Company has not timely declared and paid dividends on the Series 2011A Preferred Stock for six dividend periods or more, whether or not consecutive, and (ii) shares of Series 2011A Preferred Stock with an aggregate liquidation preference of at least $13,000,000 are still outstanding, the Treasury (or any successor holder of Series 2011A Preferred Stock) may designate two additional directors to be elected to the Company&#8217;s Board of Directors. DNB paid an annual rate on the $13.0 million of Series 2011A Preferred Stock of 3.90%</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 3.90%</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and 3.80% for the quarters ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30, 2012, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">June 30, 2012 and March 31, 2012, respectively. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">As more completely described in the Certificate of Designation, holders of the Series 2011A Preferred Stock have the right to vote as a separate class on certain matters relating to the rights of holders of Series 2011A Preferred Stock and on certain corporate transactions.&#160;&#160;Except with respect to such matters and, if applicable, the election of the additional directors described above, the Series 2011A Preferred Stock does not have voting rights.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Company may redeem the shares of Series 2011A Preferred Stock, in whole or in part, at any time at a redemption price equal to the sum of the Liquidation Amount per share and the per-share amount of any unpaid dividends for the then-current period, subject to any required prior approval by the Company&#8217;s primary federal banking regulator.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">On September&#160;21, 2011, DNB entered into a letter agreement (the "Warrant Letter Agreement") with the Treasury. Pursuant to the Warrant Letter Agreement, DNB Financial Corporation repurchased from the Treasury the warrant to purchase </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">186,311</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> shares of DNB Financial Corporation's common stock issued to Treasury in January 2009 under CPP. DNB Financial Corporation paid a purchase price of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">458,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> for the warrant.</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline">ITEM 2 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FORWARD-LOOKING STATEMENTS </font></div>
  
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  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">DNB Financial Corp. (the "Corporation"), may from time to time make written or oral "forward-looking statements," including statements contained in the Corporation&#8217;s filings with the Securities and Exchange Commission (including this Quarterly Report on Form&#160;10-Q and the exhibits hereto and thereto), in its reports to stockholders and in other communications by the Corporation, which are made in good faith by the Corporation pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended.</font> </div>
  
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  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;These forward-looking statements include statements with respect to the Corporation&#8217;s beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions, that are subject to significant risks and uncertainties, and are subject to change based on various factors (some of which are beyond the Corporation&#8217;s control).&#160; The words "may," "could," "should," "would,""will," "believe," "anticipate," "estimate," "expect," "intend," "plan" and similar expressions are intended to identify forward-looking statements.&#160; The following factors, among others, could cause the Corporation&#8217;s financial performance to differ materially from the plans, objectives, expectations, estimates and intentions expressed in such forward-looking statements: the strength of the United States economy in general and the strength of the local economies in which the Corporation conducts operations; the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; the recent downgrade, and any future downgrades, in the credit rating of the U.S. Government and federal agencies; inflation, interest rate, market and monetary fluctuations; the timely development of and acceptance of new products and services of the Corporation and the perceived overall value of these products and services by users, including the features, pricing and quality compared to competitors&#8217; products and services; the willingness of users to substitute competitors&#8217; products and services for the Corporation&#8217;s products and services; the success of the Corporation in gaining regulatory approval of its products and services, when required; the impact of changes in laws and regulations applicable to financial institutions (including laws concerning taxes, banking, securities and insurance); technological changes; acquisitions; changes in consumer spending and saving habits; the nature, extent, and timing of governmental actions and reforms, including the rules&#160;of participation for the </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Small Business Lending Fund, the implementation of Basel III</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">, which may be changed unilaterally and retroactively by legislative or regulatory actions; and the success of the Corporation at managing the risks involved in the foregoing.</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Corporation cautions that the foregoing list of important factors is not exclusive.&#160; Readers are also cautioned not to place undue reliance on these forward-looking statements, which reflect management&#8217;s analysis only as of the date of this report, even if subsequently made available by the Corporation on its website or otherwise.&#160; The Corporation does not undertake to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Corporation to reflect events or circumstances occurring after the date of this report.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For a complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review our filings with the Securities and Exchange Commission, including this Form&#160;10-Q, as well as any changes in risk factors</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"> or other risks</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"> that we may identify in our quarterly or other reports filed with the SEC.</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DESCRIPTION OF DNB'S BUSINESS AND BUSINESS STRATEGY </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB Financial Corporation</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> ("DNB" or the "Corporation")</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> is a bank holding company whose bank subsidiary, DNB First, National Association (the "Bank") is a nationally chartered commercial bank with trust powers, and a member of the FDIC. DNB provides a broad range of banking services to individual and corporate customers through its thirteen community offices located throughout Chester and Delaware Counties, Pennsylvania. DNB is a community banking organization that focuses its lending and other services on businesses and consumers in the local market area. DNB funds all these activities with retail and business deposits and borrowings. Through its </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB First </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Wealth Management division, the Bank provides</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> investment management and trust administration services to individuals and non-profit organizations</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. The Bank and its subsidiary, DNB </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Investments &amp; Insurance</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, make</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">s</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> available certain non-depository</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> insurance</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> products and services, such as securities brokerage, mutual funds, life insurance and annuities.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB earns revenues and generates cash flows by lending funds to commercial and consumer customers in its marketplace. DNB generates its largest source of interest income through its lending function. A secondary source of interest income is DNB&#8217;s investment portfolio, which provides liquidity and cash flows for future lending needs.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">In addition to interest earned on loans and investments, DNB earns revenues from fees it charges customers for non-lending services. These services include wealth management and trust services; brokerage and investment services; cash management services; banking and ATM services; as well as safekeeping and other depository services.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">To ensure we remain well positioned to meet the growing needs of our customers and communities and to meet the challenges of the 21st century, &#160;we've worked to build awareness of our full-service capabilities and ability to meet the needs of a wide range of customers. This served to not only retain our existing, customer base, but to position ourselves as an attractive financial institution on which younger individuals and families can build their dreams.&#160;&#160;To that end, DNB continues to make appropriate investments in all areas of our business, including people, technology, facilities and marketing.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Comprehensive 5-Year Plan.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;During the second quarter of 201</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, management updated the 5-year strategic plan that was designed to reposition its balance sheet and improve core earnings. Through the plan, management will endeavor to expand its loan portfolio through new originations, increased loan participations, as well as strategic loan and lease receivable purchases. Management also plans to reduce the absolute level of borrowings with cash flows from existing loans and investments as well as from new deposit growth. A discussion on DNB&#8217;s Key Strategies follows below:</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 10pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Focus on penetrating existing markets to maximize profitability</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 10pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Grow loans and diversify the mix</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 10pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Improve asset quality</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 10pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Focus on profitable customer segments</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 10pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Grow and diversify non-interest income, primarily in the wealth management </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">line of business</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 10pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Focus on reducing DNB&#8217;s cost of funds by changing DNB&#8217;s mix of deposits</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Focus on cost containment and improving operational efficiencies</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Strategic Plan Update</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. &#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">During the </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> 30, 2012, management focused on reducing our composite cost of funds as well as strengthening DNB's net interest margin. The composite cost of funds for the </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> 30, 2012 was 0.</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">69</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% compared to 0.86% for the same period in 2011. The net interest margin for the </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">-month period ended </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> 30, 2012 was 3.7</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">8</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% compared to 3.6</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% for the same period in 2011. Management continued to actively manage deposits during the first </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> months of 2012 to reduce DNB&#8217;s cost of funds. Time deposits </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">increase</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">d $1.</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">7</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> million to $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">106.9</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> million at </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> 30, 2012 compared to $105.2 million at December 31, 2011. Transaction and savings accounts increased $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">18.6</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> million during the </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> 30, </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">2012. Positive trends were observed for the </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> 30, 2012, in two key business lines that make up total non-interest income. Service charges on deposits in</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">creased </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">21.51</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% or $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">1</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">79</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">,000 and </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">fees from the sale of investments and insurance products through our third-party broker-dealer, PrimeVest Financial Services, Inc. and ongoing</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> trust administration and</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> direct management of investment assets for clients&#160;&#160;increased </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">17.52</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% or $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">103</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">,000 when compared to the same period in 2011. Overall, non-interest income increased $1</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">7</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">5,000 or </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">6.32</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% to $2.</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">9</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> million, due primarily to a $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">1</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">79</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">,000 increase in service charges on deposits, coupled with&#160;&#160;a $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">238</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">,000 increase in gains on the sales of investments during the first </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> months of 2012, compared to the same period in </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">2011.</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> &#160;These increases were partially offset by </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">a $123,000 </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">decrease on gains on sale of</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">Small Business Administration </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">("</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">SBA</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">") </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">loans </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">and a $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">29</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">,000 loss on the write-down of OREO</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> and other </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">repossessed</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> assets</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">. &#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> Non-interest expense for the </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> 30, 2012 showed a modest increase of 2.</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">81</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% or $</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">350</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">,000, compared to the same period in 2011.&#160;&#160;Approximately</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> $65,000 or </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">19</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">% of this increase is attributable to the purchase of assets and the&#160;&#160;assumption of</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt"> deposits associated with the Boothwyn branch </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">acquisition </font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">which was completed during the second quarter of 2012.</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">&#160;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 5pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;</font><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times; FONT-SIZE: 10pt">Management has made a concerted effort to improve the measurement and tracking of business lines and overall corporate performance levels. Improved information systems have increased DNB's ability to track key indicators and enhance corporate performance levels. Better measurement against goals and objectives and increased accountability will be integral in attaining desired loan, deposit and fee income production. </font></div>
  
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  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">MATERIAL CHALLENGES, RISKS AND OPPORTUNITIES </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">The following is a summary of material challenges, risks and opportunities DNB has faced during the </font><font style="DISPLAY: inline">nine</font><font style="DISPLAY: inline">-month period ended </font><font style="DISPLAY: inline">September</font><font style="DISPLAY: inline"> 30</font><font style="DISPLAY: inline">, 2012</font><font style="DISPLAY: inline">: &#160;</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest Rate Risk Management.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> Interest rate risk is the exposure to adverse changes in net interest income due to changes in interest rates. DNB considers interest rate risk the predominant risk in terms of its potential impact on earnings.&#160;&#160;Interest rate risk can occur for any one or more of the following reasons: (a) assets and liabilities may mature or re-price at different times; (b) short-term or long-term market rates may change by different amounts; or (c) the remaining maturity of various assets or liabilities may shorten or lengthen as interest rates change. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The principal objective of the Bank&#8217;s interest rate risk management is to evaluate the interest rate risk included in certain on and off-balance sheet accounts, determine the level of risk appropriate given the Bank&#8217;s business strategy, operating environment, capital and liquidity requirements and performance objectives, and manage the risk consistent with management&#8217;s approved guidelines. Through such management, DNB seeks to reduce the vulnerability of its operations to changes in interest rates. The Bank&#8217;s Asset Liability Committee (the "ALCO") is responsible for reviewing the Bank&#8217;s asset/liability policies and interest rate risk position and making decisions involving asset liability considerations. The ALCO meets on a monthly basis and reports trends and the Bank&#8217;s interest rate risk position to the Board of Directors.&#160;&#160;The extent of the movement of interest rates is an uncertainty that could have a negative impact on the earnings of the Bank. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">The largest component of DNB&#8217;s total income is net interest income, and the majority of DNB&#8217;s financial instruments are comprised of interest rate-sensitive assets and liabilities with various terms and maturities.&#160;&#160;The primary objective of management is to maximize net interest income while minimizing interest rate risk.&#160;&#160;Interest rate risk is derived from timing differences in the re-pricing of assets and liabilities, loan prepayments, deposit withdrawals, and differences in lending and funding rates.&#160;&#160;The ALCO actively seeks to monitor and control the mix of in</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">terest rate-sensitive assets and interest rate-sensitive </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">liabilities. One measure of interest rate risk is net interest income simulation analysis.&#160;&#160;The ALCO utilizes simulation analysis, whereby the model estimates the variance in net interest income with a change in interest rates of plus or minus 200 and 300 basis points in addition to four yield curve twists over a twelve-month period</font><font style="DISPLAY: inline">.</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">&#160;</font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Liquidity and Market Risk Management</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">Liquidity is the ability to meet current and future financial obligations. The Bank further defines liquidity as the ability to respond to deposit outflows as well as maintain flexibility to take advantage of lending and investment opportunities. The Bank&#8217;s primary sources of funds are operating earnings, deposits, repurchase agreements, principal and interest payments on loans, proceeds from loan sales, principal and interest payments on mortgage backed securities, sales of investment securities, and advances from the FHLB. The Bank uses the funds generated to support its lending and investment activities as well as any other demands for liquidity such as deposit outflows. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows, mortgage prepayments, loan and security sales and the exercise of call features are greatly influenced by general interest rates, economic conditions and competition.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">The objective of DNB&#8217;s asset/liability management function is to maintain consistent growth in net interest income within DNB&#8217;s policy limits. This objective is accomplished through the management of liquidity and interest rate risk, as well as customer offerings of various loan and deposit products. DNB maintains adequate liquidity to meet daily funding requirements, anticipated deposit withdrawals, or asset opportunities in a timely manner. Liquidity is also necessary to meet obligations during unusual, extraordinary or adverse operating circumstances, while avoiding a significant loss or cost. DNB&#8217;s foundation for liquidity is a stable deposit base as well as a marketable investment portfolio that provides cash flow through regular maturities or that can be used for collateral to secure funding in an emergency. As part of its liquidity management, DNB maintains assets, which comprise its primary liquidity (Federal funds sold, investments and cash and due from banks, less pledged securities).</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Competition</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> In addition to the challenges related to the interest rate environment, community banks in Chester and Delaware Counties have been experiencing increased competition from large regional and international banks entering DNB&#8217;s marketplace through mergers and acquisitions. Competition for loans and deposits may negatively affect DNB&#8217;s net interest margin. To compensate for the increased competition, DNB, along with other area community banks, has aggressively sought and marketed customers who have been disenfranchised by these mergers. To attract these customers, DNB has introduced new deposit products, such as Mobile Banking, Choice Checking, Credit Cards as well as Executive and employee packages. In addition, DNB has introduced Remote Capture to our commercial customers to expedite their collection of funds.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposit Insurance Assessments.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160;The deposits of the Bank are insured by the FDIC up to the limits set forth under applicable law and are subject to deposit insurance premium assessments. The FDIC imposes a risk based deposit premium assessment system, under which the amount of FDIC assessments paid by an individual insured depository institution, such as the Bank, is based on the level of risk incurred in its activities. The FDIC places a depository institution in one of four risk categories determined by reference to its capital levels and supervisory ratings. In addition, in the case of those institutions in the lowest risk category, the FDIC further determines its assessment rates based on certain specified financial ratios. Pursuant to the Federal Deposit Insurance Act, the FDIC has authority and the responsibility to establish deposit insurance assessments at rates sufficient to maintain the designated reserve ratio of the Deposit Insurance Fund at a level between 1.15% and 1.5% of estimated insured deposits, and to take action to restore the designated reserve ratio to at least 1.15% of estimated insured deposits when it falls below that level. As of June 30, 2008, the designated reserve ratio fell below 1.15%, to 1.01%. On October&#160;7, 2008, the FDIC established a restoration plan which it has updated periodically since then to respond to deteriorating economic conditions. Conditions in the banking industry have continued to deteriorate through 2008 and 2009. According to the FDIC&#8217;s Quarterly Banking Profile for the Fourth Quarter 2009, as of December&#160;30, 2009 the designated reserve ratio had fallen to (0.39%), down from (0.16%) on September&#160;30, 2009, and 0.36% as of December&#160;31, 2008. The FDIC reports that the December&#160;31, 2009 reserve ratio is the lowest on record for a combined bank and thrift insurance fund. In response to the declining reserve ratio, the FDIC took a series of extraordinary deposit insurance assessment actions during 2009.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Effective as of April 1, 2011, the FDIC adopted changes to its base and risk-based deposit insurance rates. Pursuant to the new rules, a bank&#8217;s annual assessment base rates were as follows, depending on the bank&#8217;s risk category:</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Risk Category III</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Risk Category IV</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Large and Highly Complex Institutions</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 41.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Initial base assessment rate</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">5-9</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">14</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">23</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">35</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">5-35</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(5)-0</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(5)-0</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(5)-0</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(5)-0</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 41.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.5-9</font></div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">*Total base assessment rates do not include the depository institution debt adjustment.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">**The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50 percent of an insured depository institution's initial base assessment rate; thus for example, an insured depository institution with an initial base assessment rate of 5 basis points will have a maximum unsecured debt adjustment of 2.5 basis points and cannot have a total base assessment rate lower than 2.5 basis points.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">On November&#160;12, 2009, the FDIC adopted a final rule to require insured institutions to prepay their estimated quarterly risk-based assessments for the fourth quarter of 2009, and for all of 2010, 2011, and 2012. The prepaid assessment was collected on December&#160;30, 2009, along with the institution&#8217;s regular quarterly risk-based deposit insurance assessment for the third quarter of 2009. For purposes of calculating the prepaid assessment, each institution&#8217;s assessment rate was its total base assessment rate in effect on September&#160;30, 2009. In calculating the prepayment attributable to 2011 and thereafter, it is calculated using the September&#160;29, 2009 increase in 2011 base assessment rates. In addition, future deposit growth was reflected in the prepayment by assuming that an institution&#8217;s third quarter 2009 assessment base would be increased quarterly at a 5&#160;percent annual growth rate through the end of 2012. The FDIC began to draw down institutions&#8217; prepaid assessments on March&#160;30, 2010, representing payment for the regular quarterly risk-based assessment for the fourth quarter of 2009. In announcing these initiatives, the FDIC stated that, while the prepaid assessment would not immediately affect bank earnings, each institution would record the entire amount of its prepaid assessment as a prepaid expense asset as of December&#160;30, 2009, the date the payment was made and, as of December&#160;31, 2009 and each quarter thereafter, record an expense or charge to earnings for its regular quarterly assessment and an offsetting credit to the prepaid assessment until the asset is exhausted. Once the asset is exhausted, institutions would resume paying and accounting for quarterly </font></div>
  
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  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">deposit insurance assessments as they currently do. The total amount of the Bank&#8217;s deposit insurance assessment prepayment was $3.1&#160;million.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 9pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Dodd-Frank Wall Street Reform and Consumer Protection Act, or Dodd-Frank Act, that was enacted by Congress on July 15, 2010, and was signed into law by President Obama on July 21, 2010, enacted a number of changes to the federal deposit insurance regime that will affect the deposit insurance assessments the Bank will be obligated to pay in the future.&#160;&#160;For example:</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -36pt; MARGIN: 0pt 0pt 0pt 72pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-</font><font style="TEXT-INDENT: 0pt; WIDTH: 29pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The law permanently raises the federal deposit insurance limit to $250,000 per account ownership.&#160;&#160;This change may have the effect of increasing losses to the FDIC insurance fund on future failures of other insured depository institutions. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -36pt; MARGIN: 0pt 0pt 0pt 72pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -36pt; MARGIN: 0pt 0pt 0pt 72pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-</font><font style="TEXT-INDENT: 0pt; WIDTH: 29pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The new law makes deposit insurance coverage unlimited in amount for non-interest bearing transaction accounts until December 31, 2012.&#160;&#160;This change may also have the effect of increasing losses to the FDIC insurance fund on future failures of other insured depository institutions.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -36pt; MARGIN: 0pt 0pt 0pt 72pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -36pt; MARGIN: 0pt 0pt 0pt 72pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">-</font><font style="TEXT-INDENT: 0pt; WIDTH: 29pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The law increases the insurance fund&#8217;s minimum designated reserve ratio from 1.15 to 1.35, and removes the current 1.50 cap on the reserve ratio. The law gives the FDIC discretion to suspend or limit the declaration or payment of dividends even when the reserve ratio exceeds the minimum designated reserve ratio.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -36pt; MARGIN: 0pt 0pt 0pt 72pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Dodd-Frank Act expands the base for FDIC insurance assessments, requiring that assessments be based on the average consolidated total assets less tangible equity capital of a financial institution. On February&#160;7, 2011, the FDIC approved a final rule to implement the foregoing provision of the Dodd-Frank Act and to make other changes to the deposit insurance assessment system applicable to insured depository institutions with over $10&#160;billion in assets. Among other things, the final rule eliminates risk categories and the use of long-term debt issuer ratings in calculating risk-based assessments, and instead implements a scorecard method, combining CAMELS ratings and certain forward-looking financial measures to assess the risk an institution poses to the Deposit Insurance Fund. The final rule also revises the assessment rate schedule for large institutions and highly complex institutions to provide assessments ranging from 2.5 to 45 basis points.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Each of these changes may increase the rate of FDIC insurance assessments to maintain or replenish the FDIC&#8217;s deposit insurance fund.&#160;&#160;This could, in turn, raise the Bank&#8217;s future deposit insurance assessment costs.&#160;&#160;On the other hand, the law changes the deposit insurance assessment base so that it will generally be equal to consolidated assets less tangible equity.&#160;&#160;This change of the assessment base from an emphasis on deposits to an emphasis on assets is generally considered likely to cause larger banking organizations to pay a disproportionately higher portion of future deposit insurance assessments, which may, correspondingly, lower the level of deposit insurance assessments that smaller community banks such as the Bank may otherwise have to pay in the future. On December 14, 2010, the FDIC issued a final rule setting the insurance fund&#8217;s designated reserve ratio at 2, which is in excess of the 1.35 minimum designated reserve ratio established by the Dodd-Frank Act. While it is likely that the law will increase the Bank&#8217;s future deposit insurance assessment costs, the specific amount by which the law&#8217;s combined changes will affect the Bank&#8217;s deposit insurance assessment costs is hard to predict, particularly because the law gives the FDIC enhanced discretion to set assessment rate levels.</font> <br>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">In addition to deposit insurance assessments, banks are subject to assessments to pay the interest on Financing Corporation bonds. The Financing Corporation was created by Congress to issue bonds to finance the resolution of failed thrift institutions. The FDIC sets the Financing Corporation assessment rate every quarter. The current annual Financing Corporation assessment rate is 66 basis points on the deposit insurance assessment base, as defined above, which we anticipate will result in an aggregate estimated FICO assessment payment by the Bank of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">36</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 in 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Material Trends and Uncertainties. </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The global and U.S. economies are experiencing significantly reduced business activity as a result of disruptions in the financial system during recent years. The United States, Europe and many other countries across the globe are struggling with too much debt and weaker streams of revenues as a result of recessionary pressures and high unemployment. Overall economic growth continues to be slow and national and regional unemployment rates remain at elevated levels. The risks associated with our business remain acute in periods of slow economic growth and high unemployment. Moreover, financial institutions continue to be affected by a sluggish real estate market and constrained financial markets. While we are continuing to take steps to decrease and limit our exposure to problem loans, we nonetheless retain direct exposure to the residential and commercial real estate markets, and we are affected by these events. Dramatic declines in the housing market, with falling home prices and increasing foreclosures and unemployment, have resulted in significant write-downs of asset values by financial institutions, including government-sponsored entities and major commercial and investment banks. The October 10, 2012 Beige Book indicates that aggregate business activity in the Third District has continued to improve, growing modestly since the August 29, 2012 Beige Book. A couple of sectors grew faster than the average, while a few declined slightly. Manufacturing activity declined somewhat, although a slight increase in new orders may presage a turnabout. Retail sales growth has continued at a modest pace since the August 29, 2012 Beige Book, while auto sales have continued to increase at a strong pace. Lending volumes at Third District banks have continued to grow modestly, and credit quality has continued to improve. Sales of new homes have slowed since the August 29, 2012&#160;&#160;Beige Book, </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">while brokers report strong growth in sales of existing homes (from previously low levels). Commercial real estate markets have seen less leasing activity and continued weak demand for new construction. Service-sector firms reported mixed results with stronger tourist visitation, a slowing defense sector, and modest growth across most other service sectors. Price pressures have changed little since the August 29, 2012&#160;&#160;Beige Book.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The overall outlook appears somewhat more optimistic relative to the views expressed in the August 29, 2012 Beige Book, as businesses are beginning to look beyond the pending election and looming fiscal cliff. Expectations among manufacturers has improved significantly for overall activity over the next six months, while plans for capital spending and hiring were mixed. Auto dealers and real estate firms are more optimistic, as their positive trends gain traction. Holiday sales expectations are strong among many general retailers. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">As a result of the recession, retail customers may delay borrowing from DNB as unemployment remains high and availability to borrow against equity in primary residences diminishes. In addition, many commercial customers have postponed their capital purchases until they see signs of an improving economy and clear direction from the legislative branch of the government.&#160;&#160;Locally, residential builders reported a drop-off in traffic and slower sales in August and early September &#8211; a disappointing conclusion to their primary sales season. Builders lament that people are choosing to rent rather than buy even when local rents exceed the total cost of owning a home. Residential brokers reported somewhat stronger year-over-year sales growth in August than expressed in the August 29, 2012&#160;&#160;Beige Book and continued strength into September. Inventory levels of real estate listings remain at lower levels than one year ago with no signs of a large emerging shadow inventory. Multiple bids are reported for homes priced between $250,000 and $400,000; more very high-end listings are beginning to appear and test the market. Builders and brokers remain cautiously optimistic.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The October 10, 2012 Beige book reports that the Third District business contacts, many of which have business models similar to DNB's small business clients, are&#160;&#160;somewhat optimistic relative to views expressed in the August 29, 2012 Beige Book. Manufacturers have continued to report overall declines in shipments, but a slight increase in new orders. Retailers reported little change between the modest year-over-year sales growth in August with July. Third District service-sector firms have reported mixed growth since the August 29, 2012 Beige Book.&#160;&#160;In general, business plans reflect caution, and businesses are reported to&#160;&#160;have resumed a more realistic perspective on the limitations of the current recovery and the risks to its longevity.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;Although DNB&#8217;s earnings have been impacted by the general economic conditions, the impact has not been as severe as it has been in many parts of the nation, largely due to a relatively healthier economic climate in the Third Federal Reserve District and specifically Chester County.&#160;&#160;DNB's franchise spans both Chester and Delaware counties in southeastern Pennsylvania. The majority of loans have been made to businesses and individuals in Chester County and the majority of deposits are from businesses and individuals within the County.&#160;&#160;According to census data, Chester County's population has grown at approximately 15%, compared to 13% for the nation and 3% for the Commonwealth of Pennsylvania. The median household income in Chester County is $72,288 and the County ranks 14th nationally in disposable income. The&#160;&#160;unemployment rate for Chester County stood at 5.7% as of May 2012, compared to a Pennsylvania unemployment rate of 7.3% and a national unemployment rate of 7.9%. Traditionally, the unemployment rate has been the lowest in the surrounding five-county area and it ranks among the lowest unemployment rates in the Commonwealth. Chester County has a civilian labor force of 266,100, with manufacturing jobs representing 23.1% of the workforce and retail shopping comprising 13.8% of the total employment. During the last few years, the County has been able to keep most of its major employers, however some of them have downsized in order to remain competitive. Chester County is home to several Fortune 500 companies. Thirteen Chester County employers have 1,000 employees or more. Of these 13 companies, two companies have more than 5,000 employees.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">As the U.S. and local economy moves through a period of reduced business activity and historically high unemployment rates, delinquencies will rise as the value of homes decline and DNB&#8217;s borrowers experience financial difficulty due to corporate downsizing, reduced sales, or other negative events which may impact their ability to meet their contractual loan payments. As a result growth in the loan portfolio and continued negative trends in the economy and their impact on our borrowers&#8217; ability to repay their loans, DNB made a $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and a $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1.3 million</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">provision for credit losses during the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">three</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">months end</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">ed</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Regulatory Initiatives Related to Our Industry</font><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> &#160; &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The federal government is considering a variety of reforms related to banking and the financial industry including, without limitation, the Dodd-Frank Act.&#160;&#160;The Dodd-Frank Act is intended to promote financial stability in the U.S., reduce the risk of bailouts and protect against abusive financial services practices by improving accountability and transparency in the financial system and ending "</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">too </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">big to fail" institutions.&#160;&#160;It is the broadest overhaul of the U.S. financial system since the Great Depression, and much of its impact will be determined by the scope and substance of many regulations that will need to be adopted by various regulatory agencies to implement its provisions.&#160;&#160;For these reasons, the overall impact on DNB and its subsidiaries </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">remains </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">unknown at this time.&#160; </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Dodd-Frank Act delegates to various federal agencies</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, including the Consumer Financial Protection Bureau,</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> the task of implementing its many provisions through regulation. Hundreds of new federal regulations, studies and reports addressing all of the major areas of the new law, including the regulation of banks and their holding companies, will be required, ensuring that federal rules and policies in this area will be further developing for months and years to come. Based on the provisions of the Dodd-Frank Act and anticipated implementing regulations, it is highly likely that banks and thrifts as well as their holding companies will be subject to significantly increased regulation and compliance obligations</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> which may result in, among other things, the Bank reducing fees to consumers, implementing additional disclosure requirements, or eliminating certain products altogether.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Dodd-Frank Act could require us to make material expenditures, in particular personnel training costs and additional compliance expenses, or otherwise adversely affect our business or financial results.&#160;&#160;It could also require us to change certain of our</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">business practices, adversely affect our ability to pursue business opportunities we might otherwise consider engaging in, cause business disruptions and/or have other impacts that are as-of-yet unknown to DNB and the Bank.&#160;&#160;Failure to comply with these laws or regulations, even if inadvertent, could result in negative publicity, fines or additional licensing expenses, any of which could have an adverse effect on our cash flow and results of operations.&#160;&#160;For example, a provision of the Dodd-Frank Act is intended to preclude bank holding companies from treating future trust preferred securities issuances as Tier 1 capital for regulatory capital adequacy purposes.&#160;&#160;This provision may narrow the number of possible capital raising opportunities DNB and other bank holding companies might have in the future.&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Further, the new rules issued by the</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> Consumer Financial Protection Bureau may materially affect the methods and costs of compliance by the Bank in connection with future consumer-related transactions.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">New Proposed Capital Rules.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">On June 7, 2012, the Federal Reserve proposed rules that would substantially amend the regulatory risk-based capital rules applicable to the Corporation and the Bank. The FDIC and the OCC subsequently proposed the rules on June 12, 2012. The proposed rules implement the "Basel III" regulatory capital reforms and changes required by the Dodd-Frank Act. "Basel III" refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009, the rules text released in December 2010, and loss absorbency rules issued in January 2011, which include significant changes to bank capital, leverage and liquidity requirements. The proposed rules </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">we</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">re </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">subject to a comment period </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">that expired on </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">October 22</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">, 2012.</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The proposed rules include new risk-based capital and leverage ratios, which would be phased in from 2013 to 2019, and would refine the definition of what constitutes "capital" for purposes of calculating those ratios. The proposed new minimum capital level requirements applicable to the Corporation and the Bank under the proposals would be: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The proposed rules would also establish a "capital conservation buffer" of 2.5% above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital and would result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0%, (ii) a Tier 1 capital ratio of 8.5%, and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement would be phased in beginning in January 2016 at 0.625% of risk-weighted assets and would increase by that amount each year until fully implemented in January 2019. An institution would be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations would establish a maximum percentage of eligible retained income that could be utilized for such actions.</font> </div>
  
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  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Basel III provided discretion for regulators to impose an additional buffer, the "countercyclical buffer," of up to 2.5% of common equity Tier 1 capital to take into account the macro-financial environment and periods of excessive credit growth. However, the proposed rules permit the countercyclical buffer to be applied only to "advanced approach banks" ( i.e. , banks with $250 billion or more in total assets or $10 billion or more in total foreign exposures), which currently excludes the Corporation and the Bank. The proposed rules also implement revisions and clarifications consistent with Basel III regarding the various components of Tier 1 capital, including common equity, unrealized gains and losses, as well as certain instruments that will no longer qualify as Tier 1 capital, some of which would be phased out over time.</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The federal bank regulatory agencies also proposed revisions to the prompt corrective action framework, which is designed to place restrictions on insured depository institutions, including the Bank, if their capital levels begin to show signs of weakness. These revisions would take effect January 1, 2015. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions would be required to meet the following increased capital level requirements in order to qualify as "well capitalized:" (i) a new common equity Tier 1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 5% (increased from 4%).</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 18pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The proposed rules set forth certain changes for the calculation of risk-weighted assets, which we would be required to utilize beginning January 1, 2015. The standardized approach proposed rule utilizes an increased number of credit risk exposure categories and risk weights, and also addresses: (i) a proposed alternative standard of creditworthiness consistent with Section 939A of the Dodd-Frank Act; (ii) revisions to recognition of credit risk mitigation; (iii) rules for risk weighting of equity exposures and past due loans; </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(iv) revised capital treatment for derivatives and repo-style transactions; and (v) disclosure requirements for top-tier banking organizations with $50 billion or more in total assets that are not subject to the "advance approach rules" that apply to banks with greater than $250 billion in consolidated assets.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Material Challenges, Risks and Opportunities.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> As a financial institution, DNB's earnings are significantly affected by general business and economic conditions.&#160;&#160;These conditions include short-term and long-term interest rates, inflation, monetary supply, fluctuations in both debt and equity capital markets, and the strength of the United States economy and local </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">economies </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">in which we operate.&#160;&#160;As mentioned above in Material Trends and Uncertainties, the economic downturn, increased unemployment, and other events negatively impact household and/or corporate incomes and could decrease the demand for DNB's loan and non-loan products and services and increase the number of customers who fail to pay interest or principal on their loans.&#160;&#160;Geopolitical conditions can also affect DNB's earnings.&#160;&#160;Acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and our military conflicts including the war in Afghanistan and Iraq, could impact business conditions in the United States. </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">CRITICAL ACCOUNTING POLICIES </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following discussion and analysis of financial condition and results of operations is based upon our consolidated financial statements, which have been prepared in accordance with United States generally accepted accounting principals. Generally accepted accounting principles are complex and require management to apply significant judgment to various accounting, reporting and disclosure matters. Management must use assumptions and estimates to apply these principles where actual measurement is not possible or practical. Actual results may differ from these estimates under different assumptions or conditions.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">In management's opinion, the most critical accounting policies and estimates impacting DNB's consolidated financial statements are listed below.&#160;&#160;These policies are critical because they are highly dependent upon subjective or complex judgments, assumptions and estimates.&#160;&#160;Changes in such estimates may have a significant impact on the financial statements.&#160;&#160;For a complete discussion of DNB's significant accounting policies, see the footnotes to the Consolidated Financial Statements included in DNB's 10-K for the year ended December 31, 20</font><font style="DISPLAY: inline">11</font><font style="DISPLAY: inline">. &#160;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Determination of the allowance for credit losses</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> Credit loss allowance policies involve significant judgments, estimates and assumptions by management which may have a material impact on the carrying value of net loans and leases and, potentially, on the net income recognized by DNB from period to period.&#160;&#160;The allowance for credit losses is based on management&#8217;s ongoing evaluation of the loan and lease portfolio and reflects an amount considered by management to be its best estimate of the amount necessary to absorb known and inherent losses in the portfolio.&#160;&#160;Management considers a variety of factors when establishing the allowance, such as the impact of current economic conditions, diversification of the portfolios, delinquency statistics, results of loan review and related classifications, and historic loss rates.&#160;&#160;In addition, certain individual loans which management has identified as problematic are specifically provided for, based upon an evaluation of the borrower&#8217;s perceived ability to pay, the estimated adequacy of the underlying collateral and other relevant factors.&#160;&#160;In addition, regulatory authorities, as an integral part of their examinations, periodically review the allowance for credit losses.&#160;&#160;They may require additions to the allowance based upon their judgments about information available to them at the time of examination.&#160;&#160;Although provisions have been established and segmented by type of loan, based upon management&#8217;s assessment of their differing inherent loss characteristics, the entire allowance for credit losses is available to absorb further losses in any category. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 11pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Management uses significant estimates to determine the allowance for credit losses.&#160;&#160;Because the allowance for credit losses is dependent, to a great extent, on conditions that may be beyond DNB&#8217;s control, management&#8217;s estimate of the amount necessary to absorb credit losses and actual credit losses could differ.&#160;&#160;DNB&#8217;s current judgment is that the allowance for credit losses remains appropriate at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 201</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.&#160;&#160;For a description of DNB&#8217;s accounting policies in connection with its allowance for credit losses, see, "Allowance for Credit Losses", in Management&#8217;s Discussion and Analysis. </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Realization of deferred income tax items.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Estimates of deferred tax assets and deferred tax liabilities make up the asset category titled "net deferred taxes".&#160;&#160;These estimates involve significant judgments and assumptions by management, which may have a material impact on the carrying value of net deferred tax assets for financial reporting purposes.&#160;&#160;Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, as well as operating loss carry forwards.&#160;&#160;Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.&#160;&#160;The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.&#160;&#160;A valuation allowance would be established against deferred tax assets when in the judgment of management, it is more likely than not that such deferred tax assets will not become available.&#160;&#160;For a more detailed description of these items, refer to Footnote </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">10 </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">(Federal Income Taxes) to DNB&#8217;s consolidated financial statements for</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> the year ended</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> December 31, 2011</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.&#160; </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">The Footnotes to DNB's most recent Consolidated Financial Statements as set forth in DNB's Annual Report 10-K identify other significant accounting policies used in the development and presentation of its financial statements.&#160;&#160;This discussion and analysis, the significant accounting policies, and other financial statement disclosures identify and address key variables and other qualitative and quantitative factors that are necessary for an understanding and evaluation of DNB and its results of operations. </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">DNB's total assets were $626.2 million at September 30, 2012 compared to $607.1 million at December 31, 2011.&#160;&#160;The $19.1 million increase in total assets was primarily attributable to a $33.8 million increase in investment securities, offset by&#160;&#160;a $13.9 million decrease in cash and&#160;&#160;cash equivalents and a $1.3 million decrease in loans and leases before allowance for credit losses.&#160; </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">Investment Securities.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Investment</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> securities at September 30, 2012 were $181.4 million compared to $147.6 million at December 31, 2011.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The $33.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">8 &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">million increase in investment securities was primarily due to $51.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6 &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">million in sales, principal pay-downs, calls and maturities, offset by the purchase of $84.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7 &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">million in investment securities.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">As of June 16, 2011, DNB reclassified 3 mortgage backed securities and 2 collateralized mortgage obligations with book values (net carrying amount) of $12.5 million and $7.7 million, respectively, from available-for-sale (AFS) to held-to-maturity (HTM). Reclassifying these 5 securities to HTM will reduce the volatility and possible future negative effect on DNB&#8217;s capital ratios, because HTM securities are not marked-to-market through other comprehensive income, but carried at their amortized cost basis. In addition, the 5 securities that were reclassified to HTM will continue to produce strong cash flows for DNB's operating and funding needs.&#160;&#160;The fair value of the 3 mortgage backed securities and 2 collateralized mortgage obligations was $12.4&#160;million and $7.7 million, respectively at June 16, 2011, the date of their reclassification. The $116,000 difference between their book value and their fair value will be amortized as an adjustment to the carrying value of the </font><font style="DISPLAY: inline">investment securities over the remaining lives. </font></div>
  
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  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 11pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="FONT-STYLE: italic; TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; DISPLAY: inline">Gross Loans and Leases</font><font style="DISPLAY: inline">. &#160;</font><font style="DISPLAY: inline">DNB&#8217;s loans and leases decreased $1.3 million to $402.4 million at September 30, 2012 compared to $403.7 million at December 31, 2011.&#160;&#160;Total commercial loans increased $1.5 million, while consumer loans, residential loans and commercial leases declined $2.0 million, $603,000 and $129,000, respectively.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 11pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="FONT-STYLE: italic; TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; DISPLAY: inline">Deposits</font><font style="DISPLAY: inline">. &#160;</font><font style="DISPLAY: inline">Deposits were $517.9 million at September 30, 2012 compared to $497.5 million at December 31, 2011.&#160;&#160;Deposits increased $20.3 million or 4.09% during the nine-month period ended September 30, 2012.&#160;&#160;Core deposits, which are comprised of demand, NOW, money markets and savings accounts, increased by $18.6 million while time deposits increased by $1.7 million.&#160; </font><font style="DISPLAY: inline">DNB acquired approximately $15.9 million of deposits during the three months ended June 30, 2012 when it acquired a full service</font><font style="DISPLAY: inline"> branch</font><font style="DISPLAY: inline"> office in Delaware County, Pennsylvania (See Note 2 regarding this Acquisition).</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 11pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">Borrowings</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Borrowings were $47.3 million at September 30, 2012 compared to $53.6 million at December 31, 2011.&#160;&#160;The decrease of $6.4 million or 11.90% was primarily due to a $6.4 million decrease in repurchase agreements.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Stockholders&#8217; Equity.</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Stockholders' equity was $5</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">5</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">.7 million at </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"> 30, 2012 compared to $51.1 million at December 31, 2011. The increase in stockholders&#8217; equity was primarily a result of </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">year-to-date earnings of $</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">3.9</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"> million and a $</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">1.0 million</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">, net-of-tax other comprehensive income adjustment for unrealized gains on the securities portfolio. These additions to stockholders equity were partially offset by $</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">407</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">,000 of dividends paid on DNB&#8217;s common stock and $</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">283</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">,000 of dividends</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"> paid on DNB's Non-Cumulative Perpetual Preferred Stock, Series 2011A. (See Note </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">11 </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">regarding DNB's participation in the Capital Purchase Program ("CPP") of the Emergency Economic Stabilization Act of 2008 and the Treasury&#8217;s Small Business Lending Fund program ("SBLF"), a $30 billion fund established under the </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Small Business Jobs Act of 2010.)</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">RESULTS OF OPERATIONS </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">SUMMARY</font><font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">&#160;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 0pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline">Net income for the three and nine-month periods ended September 30, 2012 was $1.4 million and $3.9 million compared to $1.3 million and $3.6 million for the same periods in 2011.&#160;&#160;Diluted earnings per share for the three and nine-month periods ended September 30, 2012 were $.50 and $1.32 compared to $0.36 and $1.10 for the same periods in 2011.&#160;&#160;The $</font><font style="DISPLAY: inline">12</font><font style="DISPLAY: inline">1</font><font style="DISPLAY: inline">,000 increase </font><font style="DISPLAY: inline">in net income </font><font style="DISPLAY: inline">during the most recent three-month period was attributable to a $182,000 increase in net interest income before provision for credit losses, a $51,000 decrease in provision for credit losses and</font><font style="DISPLAY: inline"> a $20,000 increase in non-interest income,</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">offset by a $</font><font style="DISPLAY: inline">122</font><font style="DISPLAY: inline">,000 increase in non-interest expense and an $</font><font style="DISPLAY: inline">10</font><font style="DISPLAY: inline">,000 increase in income tax expense. The $320,000 increase</font><font style="DISPLAY: inline"> in net income</font><font style="DISPLAY: inline"> during the nine-month period was attributable to a $528,000 increase in net interest income before provision for credit losses, a $175,000 increase in non-interest income and a $3,000 decrease in provision for credit losses, offset by a $350,000 increase in non-interest expense and a $36,000 increase in income tax expense.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">NET INTEREST INCOME </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">DNB's earnings performance is primarily dependent upon its level of net interest income, which is the excess of interest income over interest expense.&#160; </font><font style="DISPLAY: inline">Interest income includes interest earned on loans, investments and federal funds sold and interest-earning cash, as well as loan fees and dividend income earned on investment securities.&#160;&#160;Interest expense includes interest on deposits, </font><font style="DISPLAY: inline">Federal Home Loan Bank of Pittsburgh ("</font><font style="DISPLAY: inline">FHLB</font><font style="DISPLAY: inline">P")</font><font style="DISPLAY: inline"> advances, repurchase agreements, Federal funds purchased and other borrowings. </font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">Net interest income after provision for credit losses for the three and nine-month periods ended September 30, 2012 was $5.3 million and $15.4 million, compared to $5.1 million and $14.8 million for the same periods in 2011.&#160;&#160;Interest income for the three and nine-month periods ended September 30, 2012 was $6.6 million and $19.5 million compared to $6.7 million and $19.7 million for the same periods in 2011.&#160;&#160;Interest expense for the three and nine-month periods ended September 30, 2012 was $921,000 and $2.9 million compared to $1.1 million and $3.6 million for the same periods in 2011. The decrease in interest expense during both periods was primarily attributable to lower rates on interest-bearing liabilities.&#160;&#160;The composite cost of funds for the three and nine-month periods ended September 30, 2012 was .64% and .69%, compared to .79% and .86% for the same periods in 2011.&#160;&#160;The net interest margin for the three and nine-month periods ended September 30, 2012 was 3.80% and 3.78%, compared to 3.70% and 3.66% for the same periods in 2011.</font><font style="DISPLAY: inline"> &#160; &#160;</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">Interest on loans and leases was $5.7 million and $16.7 million for the three and nine-month periods ended September 30, 2012, compared to $5.8 million and $17.0 million for the same periods in 2011. The average balance of loans and leases was $407.8 million with an average yield of 5.48% for the current quarter compared to $411.9 million with an average yield of 5.54% for the same period in 2011.&#160;&#160;The average balance of loans and leases was $404.2 million with an average yield of 5.49% for the </font><font style="DISPLAY: inline">first</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">nine-months</font><font style="DISPLAY: inline"> of 2012</font><font style="DISPLAY: inline"> compared to $409.1 million with an average yield of 5.56% for the same period in 2011</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">Interest and dividends on investment securities was $966,000 and $2.8 million for the three and nine-month periods ended September 30, 2012, compared to $874,000 and $2.7 million for the same periods in 2011.&#160;&#160;The average balance of investment securities was $180.5 million with a tax equivalent average yield of 2.32% for the </font><font style="DISPLAY: inline">third</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">quarter</font><font style="DISPLAY: inline"> of 2012</font><font style="DISPLAY: inline"> compared to $155.1 million with tax equivalent average yield of 2.40% for the same period in 2011.&#160;&#160;The average</font><font style="DISPLAY: inline"> balance of investment securities was $169.0 million with tax equivalent average yield of 2.37% for the </font><font style="DISPLAY: inline">first </font><font style="DISPLAY: inline">nine-months</font><font style="DISPLAY: inline"> of 2012</font><font style="DISPLAY: inline"> compared to $153.5 million with tax equivalent average yield of 2.35% for the same period in 2011.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">Interest on deposits was $592,000 and $1.9 million for the three and nine-month periods ended September 30, 2012, compared to $781,000 and $2.5 million for the same </font><font style="DISPLAY: inline">periods in 2011.&#160;&#160;&#160;The average balance of deposits was $519.5 million with an average rate of 0.45% for the current quarter compared to $510.9 million with an average rate of .61% for the same period in 2011.&#160;&#160;&#160;The average balance of deposits was $508.8 million with an average rate of .49% for the nine-months ended September 30, 2012 compared to $507.4 million with an average rate of .67% for the same period in 2011.&#160; </font><font style="DISPLAY: inline">The decrease in rate during both periods was primarily attributable to a lower interest rate environment.</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">Interest on borrowings was $</font><font style="DISPLAY: inline">329</font><font style="DISPLAY: inline">,000 and $995,000 for the three and nine-month periods ended September 30, 2012, compared to $347,000 and $1.1 million for the same periods in 2011. The average balance of borrowings was $49.5 million with an average rate of 2.64% for the current quarter compared to $58.6 million with an average rate of 2.35% for the same period in 2011.&#160;&#160;The average balance of borrowings was $50.8 million with an average rate of 2.61% for the nine-months ended September 30, 2012 compared to $56.2 million with an average rate of 2.54% for the same period in 2011.</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">PROVISION</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">FOR CREDIT LOSSES</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">To provide for known and inherent losses in the loan and lease portfolios, DNB maintains an allowance for credit losses. Provisions for credit losses are charged against income to increase the allowance when necessary. Loan and lease losses are charged directly against the allowance and recoveries on previously charged-off loans and leases are added to the allowance. In establishing its allowance for credit losses, management considers the size and risk exposure of each segment of the loan and lease portfolio, past loss experience, present indicators of risk such as delinquency rates, levels of non-accruals, the potential for losses in future periods, and other relevant factors. Management&#8217;s evaluation of criticized and classified loans generally includes reviews of borrowers of $100,000 or greater. Consideration is also given to examinations performed by regulatory agencies, primarily the Office of the Comptroller of the Currency ("OCC").</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Management reviews and establishes the adequacy of the allowance for credit losses in accordance with U.S. generally accepted accounting principles, guidance provided by the Securities and Exchange Commission and as prescribed in OCC Bulletin 2006-47. Its methodology for assessing the appropriateness of the allowance consists of several key elements which include: specific allowances for identified impaired loans; and allowances by loan type for pooled homogenous loans. In considering national and local economic trends, we review a variety of information including Federal Reserve publications, general economic statistics, foreclosure rates and housing statistics published by third parties. We believe this improves the measure of inherent loss over a complete economic cycle and reduces the impact for qualitative adjustments. The unallocated portion of the allowance is intended to provide for probable losses not otherwise accounted for in management&#8217;s other elements of its overall estimate. An unallocated component is maintained to cover uncertainties such as changes in the national and local economy, concentrations of credit, expansion into new markets and other factors that could affect management&#8217;s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">In addition, DNB reviews historical loss experience for the commercial real estate, commercial, residential real estate, home equity and consumer installment loan pools to determine a historical loss factor. The historical loss factors are then applied to the current portfolio balances to determine the required reserve percentage for each loan pool based on risk rating. Historical losses are segregated into risk-similar groups and a loss ratio is determined for each group over a three year period. The three year average loss ratio by type is then used to calculate the estimated loss based on the current balance of each group. This three year time period is appropriate given DNB&#8217;s historical level of losses and, more importantly, represents the current economic environment.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">This analysis is intended to assess the potential for loss within the loan portfolio and to substantiate the adequacy of the allowance. Should the analysis indicate that the allowance is not adequate, management will recommend a provision expense be made in an amount equal to the shortfall derived. In establishing and reviewing the allowance for adequacy, emphasis has been placed on utilizing the methodology prescribed in OCC Bulletin 2006-47. Management believes that the following factors create a comprehensive system of controls in which management can monitor the quality of the loan portfolio. Consideration has been given to the following factors and variables which may influence the risk of loss within the loan portfolio:</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Changes in the nature and volume of the portfolio and in the terms of loans</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Changes in the volume and severity of past due loans, the volume of non-accrual loans, and the volume and severity of adversely classified or graded loans</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The existence and effect of any concentrations of credit, and changes in the level of such concentrations</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">;</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Changes in the experience, ability, and depth of lending management and other relevant staff</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">;</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Changes in the quality of the institution&#8217;s loan review system</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Changes in international, national, regional, and local economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the institution&#8217;s existing portfolio</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, and</font> </div>
  
  <div style="TEXT-INDENT: -18pt; MARGIN: 0pt 0pt 12pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8226;</font><font style="TEXT-INDENT: 0pt; WIDTH: 11pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Changes in the value of underlying collateral for collateral-dependent loans</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Portfolio risk includes the levels and trends in delinquencies, impaired loans, changes in the loan rating matrix and trends in volume and terms of loans. Management is satisfied with the stability of the past due and non-performing loans and believes there has been no further decline in the quality of the loan portfolio due to any trend in delinquent or adversely classified loans. In determining the adequacy of the allowance, management considered the deterioration of asset quality in DNB&#8217;s commercial mortgage&#160;&#160;and residential first mortgage portfolios, which were factors contributing to the increase in the level of allowance during 2011 and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. In addition to ordering new appraisals and creating specific reserves on impaired loans, the allowance allocation rates were increased, reflective of delinquency trends which have been caused by continued weakness in the housing markets, falling home equity values, and rising unemployment. New appraisal values we have obtained for existing loans have generally been consistent with trends indicated by Case-Schiller and other indices.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Given the contraction in real estate values, DNB closely monitors the loan to value ratios of all classified assets and requires periodic current appraisals to monitor underlying collateral values. Management also reviews borrower, sponsorship and guarantor&#8217;s financial strength along with their ability and willingness to provide financial support of their obligations on an immediate and continuing basis.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">There was a $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">75</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 provision made during the three months ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012, compared to $426,000 during the same period in 2011. </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">There was a $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1,275</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">provision made during the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012, compared to $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1,278</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 during the same period in 2011. </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB&#8217;s percentage of allowance for credit losses to total loans and leases was </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3% </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012 compared to 1.53% and 1.5</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% at December&#160;31, 2011 and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2011, respectively. Net charge-offs were $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">8</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">82</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000, $1.2 million and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">791</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">during the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012, year ended December 31, 2011 and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> months ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2011, respectively. The percentage of net charge-offs to total average loans and leases were </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">0.2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">%, 0.29% and 0.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">19</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">during the same respective periods. Management believes that the allowance for credit losses is adequate, but continues to monitor it along with other performance metrics including those ratios related to non-performing loans and leases. Management is not aware of any potential problem loans, which were accruing and current at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012, where serious doubt exists as to the ability of the borrower to comply with the present repayment terms and that would result in a significant loss to DNB.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total past due has increased $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million during the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> month period ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012 due largely to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">one</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> commercial credit totaling $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.4</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million, which </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">is</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">expected to be cured by year end 2012.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">ratio of the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">allowance for loan loss</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">es as a percentage of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">loans and leases </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">was 1.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3% at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012 and</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 1.53%</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> December 31, 2011</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">and</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> reflects management&#8217;s estimate of the level of inherent losses in the portfolio, which </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">has been impacted by</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> a recessionary economy, continued high unemployment, a weakened housing market and deterioration in income-producing properties. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">We typically establish a general valuation allowance on classified loans which are not impaired. In establishing the general valuation allowance, we segregate these loans by category. The categories used by DNB include "doubtful," "substandard," "special mention," "watch list" and "pass." For commercial and construction loans, the determination of the category for each loan is based on periodic reviews of each loan by our lending and credit officers as well as an independent, third-party consultant. The reviews include a consideration of such factors as recent payment history, current financial data, cash flow, financial projections, collateral evaluations, guarantor or sponsorship financial strength and current economic and business conditions. Categories for mortgage and consumer loans are determined through a similar review. Classification of a loan within a category is based on identified weaknesses that increase the credit risk of loss on the loan. Each category carries a loss factor for the allowance percentage to be assigned to the loans within that category. The allowance percentage, is determined based on inherent losses associated with each type of lending as determined through consideration of our loss history with each type of loan, trends in credit quality and collateral values, and an evaluation of current economic and business conditions.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">We establish a general allowance on non-classified loans to recognize the inherent losses associated with lending activities, but which, unlike specific allowances, have not been allocated to particular problem loans. This general valuation allowance is determined by segregating the loans by loan category and assigning allowance percentages to each category. An evaluation of each category is made to determine the need to further segregate the loans within each category by type. For our residential mortgage and consumer loan portfolios, we identify similar characteristics throughout the portfolio including credit scores, loan-to-value ratios and collateral. For our commercial real estate and construction loan portfolios, a further analysis is made in which we segregated the loans by type based on the purpose of the loan and the collateral properties securing the loan. Various risk factors for each type of loan are considered, including the impact of general economic and business conditions, collateral value trends, credit quality trends and historical loss experience.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">As of September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, DNB had $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">13.7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of non-performing assets, which included $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">8</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of non-performing or impaired loans and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of OREO. </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">This compares to $11.5 million of non-performaing assets at December 31, 2011 which included </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7.2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of non-performing or impaired loans and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4.3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of OREO. </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">During the three months ended September 30, 2012, DNB signed an agreement to sell one of its OREO properties for $2.6 million. Management anticipates that the sale will occur in the fourth quarter of 2012.&#160; </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Loans are reviewed for impairment in accordance with FASB ASC 310-10-35. Impaired loans can either be secured or unsecured, not including large groups of smaller balance loans that are collectively evaluated. Impairment is measured by the difference between the loan amount and the present value of the future cash flow discounted at the loan&#8217;s effective </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">interest rate. Management measures loans for impairment by using the fair value of collateral for collateral dependent loans. In general, management reduces the amount of the appraisal by the estimated cost of acquisition and disposition of the underlying collateral and compares that adjusted value with DNB&#8217;s carrying value. As part of the general allowance, DNB reserves at the rate of approximately 6% to 10% on non-performing or impaired loans. DNB establishes a specific valuation allowance on impaired loans that have a collateral shortfall, including estimated costs to sell in comparison to the carrying value of the loan. Of the $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of impaired loans at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million had a valuation allowance of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">8</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">49</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">5</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million had no specific allowance above the general allowance as of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Of the $7.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million of impaired loans at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">December 31, 2011</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4.8</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million had a valuation allowance of $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">493</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.4</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million had no specific allowance above the general allowance as of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">December 31, 2011</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">. &#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">For those impaired loans that management determined that no specific valuation allowance was necessary, management has reviewed the appraisal for each loan and determined that there is no shortfall in the collateral. During the </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">quarter</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, we recognized $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">81</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> in charge-offs related to impaired loans.&#160;&#160;An impaired loan may not represent an expected loss.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">We typically order new third-party appraisals or collateral valuations when a loan becomes impaired or is transferred to OREO. This is done within two weeks of a loan becoming impaired or a loan moving to OREO. It generally takes two to eight weeks to receive the appraisals, depending on the type of property being appraised. We recognize any provision or related charge-off within two weeks of receiving the appraisal after the appraisal has been reviewed by DNB. We generally order a new appraisal for all impaired real estate loans having a balance of $100,000 or higher, every twelve months, unless management determines more frequent appraisals are necessary. We use updated valuations when time constraints do not permit a full appraisal process, to reflect rapidly changing market conditions. Because appraisals and updated valuations utilize historical data in reaching valuation conclusions, the appraised or updated value may or may not reflect the actual sales price that we will receive at the time of sale. Management uses the qualitative factor "Changes in the value of underlying collateral for collateral-dependent loans" to calculate any required write-down to mitigate this risk.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Real estate appraisals typically include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property) and the cost approach. Not all appraisals utilize all three approaches to value. Depending on the nature of the collateral and market conditions, the appraiser may emphasize one approach over another in determining the fair value of collateral.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Appraisals may also contain different estimates of value based on the level of occupancy or future improvements. "As-is" valuations represent an estimate of value based on current market conditions with no changes to the collateral&#8217;s use or condition. "As-stabilized" or "as-completed" valuations assume that the collateral is improved to a stated standard or achieves its highest and best use in terms of occupancy. "As-stabilized" valuations may be subject to a present value adjustment for market conditions or the schedule for improvements.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">In connection with the valuation process, we will typically develop an exit strategy for the collateral by assessing overall market conditions, the current condition and use of the asset and its highest and best use. For most income-producing real estate, investors value most highly a stable income stream from the asset; consequently, we conduct a comparative evaluation to determine whether conducting a sale on an "as-is" basis or on an "as-stabilized" basis is most likely to produce the highest net realizable value and compare these values with the costs incurred and the holding period necessary to achieve the "as stabilized" value.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Our estimates of the net realizable value of collateral include a deduction for the expected costs to sell the collateral or such other deductions as deemed appropriate. For most real estate collateral, we apply a seven to ten percent deduction to the value of real estate collateral to determine its expected costs to sell the asset. This estimate generally includes real estate commissions, one year of real estate taxes and miscellaneous repair and closing costs. If we receive a purchase offer that requires unbudgeted repairs, or if the expected holding period for the asset exceeds one year, then we include the additional real estate taxes and repairs or other holding costs in the expected costs to sell the collateral on a case-by-case </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">basis.</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Analysis of Allowance for Credit Losses</font> </div>
  
  <div style="MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(Dollars in thousands)</font> </div>
  
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Year Ended December 31, 2011</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Nine Months Ended September 30, 2011</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Beginning balance</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,164&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,884&#160; </td>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">5,884&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Provisions</font></div>
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  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1,275&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,480&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,278&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Loans charged off:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(99) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(280) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(238) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(876) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(768) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(428) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(200) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(196) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(9) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(64) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(32) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total charged off</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(985) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(1,312) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">(894) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Recoveries:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">15&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">74&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">9&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">36&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">21&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">20&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total recoveries</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">103&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">112&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">103&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Ending balance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6,557&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 13.1%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,164&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,371&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160; </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 13.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.52%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Reserve for unfunded loan commitments</font></div>
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  <div style="TEXT-INDENT: 36pt; MARGIN: 12pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following table sets forth the composition of DNB&#8217;s allowance for credit losses </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">for the periods</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> indicated.</font> </div>
  
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  </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="2" valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="2" valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td colspan="2" valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Type</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Type</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Type</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">to Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">to Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">to Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">406&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">383&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">497&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5,299&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">83&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,945&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">83&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,258&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">82&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">10&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">26&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">261&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">11&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">260&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">11&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">446&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">11&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Unallocated</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">588&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">566&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,144&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">0&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,557&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">100&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 7.44%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,164&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">100&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">6,371&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 9.38%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">100&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 33.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160; </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.38%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.68%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.94%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 7.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">39</font> </div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">NON-INTEREST INCOME </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-interest income includes service charges on deposit products; fees received in connection with the sale of non-depository products and services, including fiduciary and investment advisory services offered through DNB First Wealth Management; securities brokerage products and services and insurance products and services offered through DNB Investments &amp; Insurance; and other sources of income such as increases in the cash surrender value of Bank Owned Life Insurance ("BOLI"), net gains on sales of investment securities, SBA loans and other real estate owned ("OREO") properties. In addition, DNB receives fees for cash management, remote capture, merchant services, debit cards, safe deposit box rentals and similar activities.</font> </div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">Non-interest income for the three and nine-month periods ended September 30, 2012 was $</font><font style="DISPLAY: inline">879</font><font style="DISPLAY: inline">,000 and $2.9 million, compared to $</font><font style="DISPLAY: inline">859</font><font style="DISPLAY: inline">,000 and $2.8 million for the same periods in 2011.&#160;&#160;The $20,000 increase during the three months ended September 30, 2012 was mainly attributable to gains on sales of securities of $</font><font style="DISPLAY: inline">161</font><font style="DISPLAY: inline">,000, an increase of $65,000 in </font><font style="DISPLAY: inline">Wealth </font><font style="DISPLAY: inline">Management </font><font style="DISPLAY: inline">revenue and an increase of $</font><font style="DISPLAY: inline">51</font><font style="DISPLAY: inline">,000 in service charges on deposits, offset by a $</font><font style="DISPLAY: inline">228</font><font style="DISPLAY: inline">,000 </font><font style="DISPLAY: inline">loss on sale or write down of OREO</font><font style="DISPLAY: inline"> and a decrease of $56,000 in gains on the sale of SBA loans.</font><font style="DISPLAY: inline"> &#160; &#160;</font><font style="DISPLAY: inline">During the nine months ended September 30, 2012, non-interest income increased $175,000 over the same period in 2011. This increase was primarily due to gains on sales of securities of $</font><font style="DISPLAY: inline">240</font><font style="DISPLAY: inline">,000, an increase in service charges on deposits of $179,000, and an increase of $103,000 in </font><font style="DISPLAY: inline">Wealth </font><font style="DISPLAY: inline">Management</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">revenue, offset by </font><font style="DISPLAY: inline">a</font><font style="DISPLAY: inline"> &#160;$</font><font style="DISPLAY: inline">229</font><font style="DISPLAY: inline">,000 </font><font style="DISPLAY: inline">loss on </font><font style="DISPLAY: inline">the </font><font style="DISPLAY: inline">sale or write down of OREO</font><font style="DISPLAY: inline"> and other repossessed assets</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">and a $</font><font style="DISPLAY: inline">123</font><font style="DISPLAY: inline">,000 decrease in gains on the sales of SBA loans.</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NON-INTEREST EXPENSE </font></div>
  
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  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline">Non-interest expense for the three and nine-month periods ended September 30, 2012 was $4.2 million and $12.8 million compared to $4.1 million and $12.5 million for the same periods in 2011.&#160;&#160;During the three months ended September 30, 2012, total non-interest expense increased</font><font style="DISPLAY: inline"> by $</font><font style="DISPLAY: inline">122</font><font style="DISPLAY: inline">,000. This increase was primarily due to a $</font><font style="DISPLAY: inline">109</font><font style="DISPLAY: inline">,000 increase in salary and employee benefits, a $</font><font style="DISPLAY: inline">49</font><font style="DISPLAY: inline">,000 increase in professional and consulting, a $12,000 increase in PA shares tax</font><font style="DISPLAY: inline">, a $12,000 increase in other non-interest expense, </font><font style="DISPLAY: inline">and a $10,000 increase in postage.&#160;&#160;This was offset by a $24,000 decrease in advertising and marketing, an $</font><font style="DISPLAY: inline">19</font><font style="DISPLAY: inline">,000 decrease in occupancy, a $</font><font style="DISPLAY: inline">13</font><font style="DISPLAY: inline">,000 decrease in furniture and equipment and a $</font><font style="DISPLAY: inline">10</font><font style="DISPLAY: inline">,000 decrease in </font><font style="DISPLAY: inline">telephone and fax</font><font style="DISPLAY: inline">.</font><font style="DISPLAY: inline"> &#160; &#160;</font><font style="DISPLAY: inline">During the nine months ended September 30, 2012, total non-interest expense increased $</font><font style="DISPLAY: inline">351</font><font style="DISPLAY: inline">,000.</font><font style="DISPLAY: inline">&#160;</font><font style="DISPLAY: inline">The increase was primarily attributable to an increase in salary and employee benefits of $251,000, an increase in other non-interest expense of $</font><font style="DISPLAY: inline">160</font><font style="DISPLAY: inline">,000 (mainly due to Boothwyn conversion costs), </font><font style="DISPLAY: inline">an increase in professional and consulting of $104,000, </font><font style="DISPLAY: inline">an increase in PA shares tax of $37,000, and an increase in printing and supplies of $</font><font style="DISPLAY: inline">20</font><font style="DISPLAY: inline">,000. This was offset by a </font><font style="DISPLAY: inline">decrease in FDIC insurance of $81,000, a </font><font style="DISPLAY: inline">decrease in advertising and marketing of $</font><font style="DISPLAY: inline">56</font><font style="DISPLAY: inline">,000, a decrease in occupancy of $</font><font style="DISPLAY: inline">53</font><font style="DISPLAY: inline">,000 and a decrease in furniture and equipment of $28,000.</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">INCOME TAXES </font></div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Income tax expense for the three and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">-month periods ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012 was $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">554</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 and $1.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million compared to $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">54</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">4</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,000 and $1.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million for the same periods in 2011. The effective tax rate for the three and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">-month periods ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012 was </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">28.1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">28.9</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% compared to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">29.6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% and 30.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% for the same periods in 2011.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> Income tax expense for each period differs from the amount determined at the statutory rate of 34.0% due to tax-exempt income on loans and investment securities, DNB's ownership of BOLI policies, and tax credits recognized on a low-income housing limited partnership. </font></div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">ASSET QUALITY </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-performing assets totaled </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">$13.7 million at September 30, 2012 compared to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">$11.6 million at December 31, 2011 and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">12.0</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2011. Total non-performing assets increased $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">900,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> and $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2.1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">during the three and </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">nine</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">-months ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">900,000</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> increase during the most recent quarter was primarily due to</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">the addition of one </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">90+ days and still accruing commercial </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">loan,</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> offset by </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">one fully </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">paid</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> off commercial </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">construction </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">loan.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total non-performing assets increased $1.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million from </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2011. As a result of the increase in non-performing loans, the non-performing loans to total loans ratio increased to 2.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">44</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 201</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, up from 1.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">95</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2011. The non-performing assets to total assets ratio increased to 2.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">19</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012 from 1.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">97</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2011. The allowance to non-performing loans and leases ratio decreased from </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">79.3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2011 to </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">66.7</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">% at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> DNB continues to work diligently to improve asset quality by adhering to strict underwriting standards and improving lending policies and procedures. Non-performing assets have, and will continue to have, an impact on earnings; therefore management intends to continue working aggressively to reduce the level of such assets.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-performing assets are comprised of non-accrual loans and leases, loans and leases delinquent over ninet</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">y days and still accruing,</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> as well as Other Real Estate Owned ("OREO") and other repossessed assets. Non-accrual loans and leases are loans and leases for which the accrual of interest ceases when the collection of principal or interest payments is determined to be doubtful by management. It is the policy of DNB to discontinue the accrual of interest when principal or interest payments are delinquent 90&#160;days or more (unless the loan principal and interest are determined by management to be fully secured and in the process of collection), or earlier if considered prudent. Interest received on such loans is applied to the principal balance, or may, in some instances, be recognized as income on a cash basis. A non-accrual loan or lease may be restored to accrual status when management expects to collect all contractual principal and interest due and the borrower has demonstrated a sustained period of repayment performance in accordance with the contractual terms. OREO consists of real estate acquired by foreclosure. Other repossessed assets are primarily assets from DNB&#8217;s commercial lease portfolio that were repossessed. OREO and other repossessed assets are carried at the lower of cost or estimated fair value, less estimated disposition costs. Any significant change in the level of non-performing assets is dependent, to a large extent, on the economic climate within DNB&#8217;s market area.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB&#8217;s Credit Policy Committee monitors the performance of the loan and lease portfolio to identify potential problem assets on a timely basis. Committee members meet to design, implement and review asset recovery strategies, which serve to maximize the recovery of each troubled asset. As of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 201</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, DNB </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">had $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">18.3</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">million of</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> loans</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> classified as substandard</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, which, although performing at that date, are believed to require increased supervision and review; and may, depending on the economic environment and other factors, become non-performing assets in future periods. The amount of such loans at December&#160;31, 20</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> was $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">9.2</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;million. The majority of the loans are secured by commercial real estate, with lesser amounts being secured by residential real estate, inventory and receivables.</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following table sets forth those assets that are: (i)&#160;placed on non-accrual status, (ii)&#160;contractually delinquent by 90&#160;days or more and still accruing, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">and (iii</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">)&#160;OREO as a result of foreclosure or voluntary transfer to DNB as well as other repossessed assets. In addition, the table sets forth DNB's asset quality and allowance coverage ratios at the dates indicated:</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-Performing Assets</font> </div>
  
  <div style="MARGIN: 0pt 0pt 12pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(Dollars in thousands)</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-accrual loans:</font></div>
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  </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Residential mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,200&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,873&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,917&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Commercial mortgage</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">321&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,114&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,114&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Commercial</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4,391&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,233&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,725&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Lease financing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">33&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">65&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Consumer</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 18pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">163&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">151&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">210&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total non-accrual loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,108&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7,432&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">8,031&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Loans 90&#160;days past due and still accruing</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,721&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">210&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total non-performing loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">9,829&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7,642&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">8,032&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Other real estate owned&#160;&amp; other repossessed property</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 6pt 0.05pt 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,864&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,974&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,968&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total non-performing assets</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">13,693&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">11,616&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">12,000&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Asset quality ratios:</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-performing loans to total loans</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2.44&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.89&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.95&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-performing assets to total assets</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2.19&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.91&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.97&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Allowance for credit losses to:</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 6pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.42%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 10.82%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">1.63&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.53&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1.55&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 58.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Non-performing loans and leases</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 18pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">66.7&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.42%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">80.7&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 10.82%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">79.3&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr></table>
  </div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">41</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Stone Serif; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">Included in the loan and lease portfolio are loans for which DNB has ceased the accrual of interest.&#160;&#160;If contractual interest income had been recorded on non-accrual loans, interest would have been increased as shown in the followi</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">n</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">g table:</font> </div>
  
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  <table cellpadding="0" cellspacing="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 0pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30,</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31,</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30,</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest income which would have been </font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">recorded under original terms</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">255&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">357&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">291&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest income recorded during the period</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(3) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(36) </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(38) </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Net impact on interest income</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">252&#160; </td>
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At and For the</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At and For the</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At and For the</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nine Months Ended</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30,</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31,</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30,</font></div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 14.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 19.06%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total recorded investment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,298&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">7,574&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">8,134&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans with a specific allowance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">2,112&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,834&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4,992&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Impaired loans without a specific allowance</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5,186&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">2,740&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">3,142&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Average recorded investment</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">7,838&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,356&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">7,301&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Specific allowance allocation</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">849&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,185&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">355&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total cash collected</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">3,005&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,698&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">1,527&#160; </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 40.98%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Interest income recorded</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 19.06%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">214&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 14.22%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">59&#160; </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><a name="fis_unidentified_table_11"><!--EFPlaceholder--></a><font style="DISPLAY: inline; FONT-SIZE: 10pt">Management maintains liquidity to meet depositors&#8217; needs for funds, to satisfy or fund loan commitments, and for other operating purposes.&#160; DNB&#8217;s foundation for liquidity is a stable and loyal customer deposit base, cash and cash equivalents, and a marketable investment portfolio that provides periodic cash flow through regular maturities and amortization, or that can be used as collateral to secure funding.&#160; As part of its liquidity management, DNB maintains assets that comprise its primary liquidity, which totaled $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">104.1</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million at </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012 compared to $84.9 million at December 31, 2011.&#160; Primary liquidity includes investments, Federal funds sold and cash and due from banks, less pledged securities.&#160; DNB also anticipates scheduled payments and prepayments on its loan and mortgage-backed securities portfolios.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;<font style="DISPLAY: inline; FONT-SIZE: 10pt">In addition, DNB maintains borrowing arrangements with various correspondent banks, the Federal Home Loan Bank of Pittsburgh and the Federal Reserve Bank of Philadelphia to meet short-term liquidity needs.&#160; Through these relationships, DNB has available credit of approximately $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">196.6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million.&#160; As a member of the FHLB, we are eligible to borrow up to a specific credit limit which is determined by the amount of our residential mortgages, commercial mortgages and other loans that have been pledged as collateral. As of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012, our Maximum Borrowing Capacity with the FHLB was $</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">179.6</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> million. The total of our outstanding borrowings from the FHLB on that date was $20.0 million. At </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30, 2012, we also had available $17.0 million of unsecured federal funds lines of credit with other financial institutions as well as $30.0 million of available short or long term funding through the Certificate of Deposit Account Registry Service (CDARS) program. Management believes that DNB has adequate resources to meet its short-term and long-term funding requirements.</font> </div>
  
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">The Corporation and the Bank have each met the definition of "well capitalized" for regulatory purposes on </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.&#160;&#160;The Bank&#8217;s capital category is determined for the purposes of applying the bank regulators&#8217; "prompt corrective action" regulations and for determining levels of deposit insurance assessments and may not constitute an accurate representation of the Corporation&#8217;s or the Bank&#8217;s overall financial condition or prospects. The Corporation&#8217;s capital exceeds the FRB&#8217;s minimum lever</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">age ratio requirements for bank holding companies (see&#160;additional discussion included in Footnote 17 of DNB&#8217;s 10-K).</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">For Capital</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Corrective</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: calibri; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Adequacy</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Action</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: calibri; FONT-SIZE: 9pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Actual</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Purposes</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="2" valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 0.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Provisions</font></div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 8pt">(Dollars in thousands)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Ratio</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Ratio</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-WEIGHT: bold">Amount</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total risk-based capital</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8&#160; </td>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">N/A</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">N/A</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 risk-based capital</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">64,822&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14.42&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17,977&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">N/A</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">N/A</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 (leverage) capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">64,822&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10.31&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">25,158&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">N/A</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">N/A</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">December 31, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total risk-based capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">66,716&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">15.57&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">34,275&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">N/A</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">N/A</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 risk-based capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61,354&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">14.32&#160; </td>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">N/A</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">N/A</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 (leverage) capital</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">N/A</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">N/A</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DNB First, N.A.</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total risk-based capital</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
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  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">70,480&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">15.7&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">35,921&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">8&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">44,901&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 risk-based capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">64,854&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">14.44&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">17,961&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">26,941&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 (leverage) capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">64,854&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">10.34&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">25,100&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">31,375&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">December 31, 2011</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 5.04%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 6.78%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 4.64%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Total risk-based capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">66,692&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">15.58&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">34,242&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">8&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">42,803&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">10&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">%</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 risk-based capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61,330&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">14.33&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">17,121&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">25,682&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">6&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 51.14%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt 12pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Tier&#160;1 (leverage) capital</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.74%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">61,330&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 5.04%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">10.14&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">24,188&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">4&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 6.78%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">30,235&#160; </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 4.64%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">5&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.92%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr></table>
  </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Courier New; FONT-SIZE: 7.5pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">In addition, the Federal Reserve Bank (the "FRB") leverage ratio rules require bank holding companies to maintain a minimum level of "primary capital" to total assets of 5.5% and a minimum level of "total capital" to total assets of 6%.&#160;&#160;For this purpose, (i) "primary capital" includes, among other items, common stock, certain perpetual debt instruments such as eligible Trust preferred securities, contingency and other capital reserves, and the allowance for loan losses, (ii) "total capital" includes, among other things, certain subordinated debt, and "total assets" is increased by the allowance for loan losses.&#160;&#160;DNB's primary capital ratio and its total capital ratio are both well in excess of FRB requirements. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">REGULATORY MATTERS </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; TEXT-INDENT: 36pt; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">Dividends payable to the Corporation by the Bank are subject to certain regulatory limitations. Under normal circumstances, the payment of dividends in any year without regulatory permission is limited to the net profits (as defined for regulatory purposes) for that year, plus the retained net profits for the preceding two calendar years. </font></div>
  
  <div><font size="1">&#160; </font></div>
  
  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">43</font> </div>
  </div>
  
  <hr style="COLOR: #999999" align="center" size="3" width="100%">
  <div style="PAGE-BREAK-AFTER: always">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline">ITEM 3 - QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">(Dollars in thousands)</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">September 30, 2012</font></div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">December 31, 2011</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">+200bp</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Flat</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">-200bp</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">+200bp</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 35.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">EVE</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">61,603&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">59,798&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">52,285&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">54,877&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">51,041&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">$</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt">49,134&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 35.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Change </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1,805&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 1.88%; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">)</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(9,318&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 1.88%; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(3,836) </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">(5,743&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 1.88%; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">)</font></div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 35.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Change as % of assets </font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(0.3%&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 1.88%; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">)</font></div>
  </td>
  <td nowrap valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 8.34%; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; BORDER-RIGHT: #d9d9d9 1pt">(1.5%&#160; </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 1.88%; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt; FONT-WEIGHT: bold">)</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">-0.6%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.22%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 8.34%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">-0.9%</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 35.44%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 9pt">Change as % of PV equity</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">ITEM </font><font style="DISPLAY: inline">4</font><font style="DISPLAY: inline">- CONTROLS AND PROCEDURES </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">DNB&#8217;s </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Management, with the participation of our </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Chief Executive Officer and Chief Financial Officer</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">,</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> have reviewed and evaluated the effectiveness of our disclosure controls and procedures (as defined in Exchange Act Rule 13a-15(e)) as of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, the end of the period covered by this report, in accordance with the requirements of Exchange Act Rule 240.13a-15(b). Based on that evaluation, </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Management has</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> concluded that DNB&#8217;s current disclosure controls and procedures are effective</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline">PART II - OTHER INFORMATION</font> </div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">None</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline">ITEM 1A. RISK FACTORS</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
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  <div style="WIDTH: 100%">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">44</font> </div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">ITEM 2. UNREGISTERED SALES OF </font><font style="DISPLAY: inline">EQUITY SECURITIES</font><font style="DISPLAY: inline"> AND USE OF PROCEEDS </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline">&#160;</div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">There were no </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">unregistered sales </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">of </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">equity securities </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">during</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> the quarter ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">The following table provides information on repurchases by DNB of its common stock in each month of the quarter ended </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">September</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> 30</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">, 2012</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">:</font> </div>
  
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shares&#160;Purchased</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">of&#160;Shares&#160;that&#160;May</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 36.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total&#160;Number</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">as&#160;Part&#160;of&#160;Publicly</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yet&#160;Be&#160;Purchased</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 36.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Of Shares</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price Paid</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Announced&#160;Plans</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Under&#160;the&#160;Plans&#160;or</font></div>
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  </tr><tr>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Period</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Per Share</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">or&#160;Programs</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">July 1, 2012&#8211; July 31, 2012</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <td valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 36.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">August 1, 2012&#8211; August 31, 2012</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
  </td>
  <td nowrap valign="bottom" style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; BORDER-LEFT: #d9d9d9 1pt; WIDTH: 17.18%; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt">63,016&#160; </td>
  </tr><tr>
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  </tr><tr>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">September 1, 2012&#8211; September 30, 2012</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
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  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">$</font></div>
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  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="bottom" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 36.86%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.1%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 12.84%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.16%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 9.9%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 1.08%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 16.88%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#8212;</font></div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 2.02%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="middle" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 17.18%; PADDING-RIGHT: 0pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: right; MARGIN: 0pt 0pt 0.05pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr></table>
  </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 4pt 0pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="TEXT-INDENT: 0pt; WIDTH: 36pt; DISPLAY: inline; FONT-FAMILY: Times New Roman; MARGIN-LEFT: 0pt; FONT-SIZE: 12pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">On July 25, 2001, DNB authorized the buyback of up to 175,000 shares of its common stock over an indefinite period. On August 27, 2004, DNB increased the buyback from 175,000 to 325,000 shares of its common stock over an indefinite period. </font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 4pt 0pt 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">ITEM 3. DEFAULTS UPON SENIOR SECURITIES </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">None.</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">ITEM 4. </font><font style="DISPLAY: inline">MINE SAFETY DISCLOSURES</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Not Applicable.</font> </div>
  
  <div style="LINE-HEIGHT: normal; TEXT-INDENT: -36pt; MARGIN: 0pt 0pt 0pt 54pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><a name="fis_other_information"><!--EFPlaceholder--></a><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><a name="fis_unidentified_table_13"><!--EFPlaceholder--></a><font style="DISPLAY: inline">ITEM 5. OTHER INFORMATION </font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Arial Unicode MS; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">None.</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font> </div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">&#160;</font></div>
  
  <div style="MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">ITEM 6. EXHIBITS</font> </div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
  
  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">(a) The following exhibits are filed </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">or furnished </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">herewith:</font> </div>
  
  <div style="WIDTH: 100%">
  <table align="center" cellpadding="0" cellspacing="0" style="WIDTH: 547.2pt; BORDER-COLLAPSE: collapse; FONT-FAMILY: times new roman; MARGIN-LEFT: 3.6pt; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
  <tr>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 46.3pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 1pt">&#160;</font></div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 49.35pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td valign="top" style="BORDER-BOTTOM: #d9d9d9 1pt; BORDER-LEFT: #d9d9d9 1pt; PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 451.55pt; PADDING-RIGHT: 4.3pt; BORDER-TOP: #d9d9d9 1pt; BORDER-RIGHT: #d9d9d9 1pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  </tr><tr>
  <td colspan="2" valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 95.65pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="BORDER-BOTTOM: #000000 1pt solid; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Exhibit Number</font></div>
  </td>
  <td valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 451.55pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Description</font></div>
  </td>
  </tr><tr>
  <td valign="top" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 46.3pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-WEIGHT: normal">&#160;</font></div>
  </td>
  <td valign="top" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 49.35pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  </td>
  <td valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 451.55pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  </td>
  </tr><tr>
  <td valign="top" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 46.3pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-WEIGHT: normal">31.1</font></div>
  </td>
  <td valign="top" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 49.35pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
  </td>
  <td valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 4.3pt; WIDTH: 451.55pt; PADDING-RIGHT: 4.3pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-WEIGHT: normal">Rule&#160;13a-14(a)/15d-14 (a)&#160;Certification of Chief Executive Officer</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Gerald F. Sopp, Chief Financial Officer and Executive Vice President</font></div>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="LINE-HEIGHT: normal; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exhibit Index</font></div>
  
  <div style="TEXT-ALIGN: center; MARGIN: 0pt 0pt 3pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">31.1</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Rule&#160;13a-14(a)/15d-14 (a)&#160;Certification of Chief Executive Officer</font></div>
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">31.2</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">Rule&#160;13a-14(a)/15d-14 (a)&#160;Certification of Chief Financial Officer</font></div>
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">32.1</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">32.2</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">101.INS</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="5" valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 451.55pt; PADDING-RIGHT: 0pt; PADDING-TOP: 0pt">
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">101.CAL</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="5" valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 451.55pt; PADDING-RIGHT: 0pt; PADDING-TOP: 0pt">
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">101.LAB</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="5" valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 451.55pt; PADDING-RIGHT: 0pt; PADDING-TOP: 0pt">
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">101.PRE</font></div>
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  <td colspan="2" valign="top" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 49.35pt; PADDING-RIGHT: 0pt; PADDING-TOP: 0pt">
  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="5" valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 451.55pt; PADDING-RIGHT: 0pt; PADDING-TOP: 0pt">
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  <div style="TEXT-INDENT: -10pt; MARGIN: 0pt 0pt 0pt 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">101.DEF</font></div>
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  <div style="MARGIN: 0pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</div>
  </td>
  <td colspan="5" valign="bottom" style="PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 451.55pt; PADDING-RIGHT: 0pt; PADDING-TOP: 0pt">
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metadata_filer: {"company-data": {"conformed-name": "DNB FINANCIAL CORP /PA/", "cik": "0000713671", "assigned-sic": "6021", "irs-number": "232222567", "state-of-incorporation": "PA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "10-Q", "act": "34", "file-number": "001-34242", "film-number": "121192957"}, "business-address": {"street1": "4 BRANDYWINE AVE", "city": "DOWNINGTOWN", "state": "PA", "zip": "19335", "phone": "6102691040"}, "mail-address": {"street1": "4 BRANDYWINE AVENUE", "city": "DOWNINGTOWN", "state": "PA", "zip": "19335"}}
text: dnb093012form10q.htm
  UNITED STATES
  SECURITIES AND EXCHANGE COMMISSION
  WASHINGTON, D.C. 20549
  ____________________
  FORM 10-Q
  [X] Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
  For the quarterly period ended: September 30, 2012
  or
  [  ] Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
  For the transition period from ________________ to _____________
  Commission File Number: 1-34242
  DNB Financial Corporation
  (Exact name of registrant as specified in its charter)
  Pennsylvania
  23-2222567
  (State or other jurisdiction of                                                                (I.R.S. Employer Identification No.)
  incorporation or organization)
  4 Brandywine Avenue - Downingtown, PA 19335
  (Address of principal executive offices and Zip Code)
  (610) 269-1040
  (Registrant's telephone number, including area code)
  Not Applicable
  (Former name, former address and former fiscal year, if changed since last report)
  Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days
  Yes
  x
  No
  o
  Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
  Yes
  x
  No
  o
  Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer, or a smaller reporting company. See definition of "accelerated filer", "large accelerated filer", and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
  Large accelerated filer
  o
  Accelerated filer
  o
  Non-accelerated filer
  o
  Smaller reporting company
  x
  Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
  Yes
  o
  No
  x
  Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date.
  Common Stock ($1.00 Par Value)
  (Class)
  2,
  719,701
  (Shares Outstanding
  as of November
  8
  , 2012)
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  INDEX
  PART  I - FINANCIAL INFORMATION
  PAGE NO
  ITEM  1.
  FINANCIAL STATEMENTS (Unaudited):
  CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
  September 30, 2012 and December 31, 2011
  3
  CONSOLIDATED STATEMENTS OF INCOME
  Three and Nine Months Ended September 30, 2012 and 2011
  4
  CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
  Three and Nine Months Ended September 30, 2012 and 2011
  5
  CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
  6
  Nine Months Ended September 30, 2012 and 2011
  CONSOLIDATED STATEMENTS OF CASH FLOWS
  Nine Months Ended September 30, 2012 and 2011
  7
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  8
  ITEM 2.
  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
  27
  ITEM 3.
  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK,
  45
  ITEM 4.
  CONTROLS AND PROCEDURES
  45
  PART II - OTHER INFORMATION
  ITEM 1.
  LEGAL PROCEEDINGS
  45
  ITEM 1A.
  RISK FACTORS
  45
  ITEM 2.
  UNREGISTERED SALES OF EQUITY  SECURITIES AND USE OF PROCEEDS
  46
  ITEM 3.
  DEFAULTS UPON SENIOR SECURITIES
  46
  ITEM 4.
  MINE SAFETY DISCLOSURES
  46
  ITEM 5.
  OTHER INFORMATION
  46
  ITEM 6.
  EXHIBITS
  46
  SIGNATURES
  47
  EXHIBIT INDEX
  2
  PART I – FINANCIAL INFORMATION
  ITEM 1 – FINANCIAL STATEMENTS
  DNB Financial Corporation and Subsidiary
  Consolidated Statements of Financial Condition (Unaudited)
  September 30,
  December 31,
  (Dollars in thousands, except share and per share data)
  2012
  2011
  Assets
  Cash and due from banks
  $
  18,993
  $
  32,877
  Cash and cash equivalents
  18,993
  32,877
  AFS investment securities (amortized cost of $122,377 and $107,543)
  123,900
  107,530
  HTM investment securities (fair value of $56,460 and $37,681)
  54,090
  36,427
  Total investment securities
  177,990
  143,957
  Loans and leases
  402,377
  403,684
  Allowance for credit losses
  (6,557)
  (6,164)
  Net loans and leases
  395,820
  397,520
  Restricted stock
  3,427
  3,625
  Office property and equipment, net
  8,341
  7,846
  Accrued interest receivable
  2,788
  2,536
  OREO & other repossessed property
  3,864
  3,974
  Bank owned life insurance (BOLI)
  8,561
  8,383
  Core deposit intangible
  197
  111
  Net deferred taxes
  3,082
  3,614
  Other assets
  3,130
  2,656
  Total assets
  $
  626,193
  $
  607,099
  Liabilities and Stockholders' Equity
  Liabilities
  Non-interest-bearing deposits
  $
  84,867
  $
  68,371
  Interest-bearing deposits:
  NOW
  155,420
  171,321
  Money market
  115,587
  107,368
  Savings
  55,063
  45,250
  Time
  106,946
  105,235
  Total deposits
  517,883
  497,545
  Federal Home Loan Bank of Pittsburgh (FHLBP) advances
  20,000
  20,000
  Repurchase agreements
  17,407
  23,770
  Junior subordinated debentures
  9,279
  9,279
  Other borrowings
  578
  598
  Total borrowings
  47,264
  53,647
  Accrued interest payable
  371
  444
  Other liabilities
  5,002
  4,407
  Total liabilities
  570,520
  556,043
  Stockholders' Equity
  Preferred stock, $10.00 par value;
  1,000,000 shares authorized; $1,000 liquidation preference per share; 13,000 issued
  12,974
  12,962
  Common stock, $1.00 par value;
  10,000,000 shares authorized; 2,882,503 issued
  2,897
  2,891
  Treasury stock, at cost; 167,941 and 187,654, respectively
  (4,002)
  (4,252)
  Surplus
  35,159
  35,060
  Retained earnings
  9,087
  5,871
  Accumulated other comprehensive loss, net
  (442)
  (1,476)
  Total stockholders' equity
  55,673
  51,056
  Total liabilities and stockholders' equity
  $
  626,193
  $
  607,099
  See accompanying notes to unaudited consolidated financial statements.
  3
  DNB Financial Corporation and Subsidiary
  Consolidated Statements of Income (Unaudited)
  Three Months Ended
  Nine Months Ended
  September 30,
  September 30,
  (Dollars in thousands, except per share data)
  2012
  2011
  2012
  2011
  Interest Income:
  Interest and fees on loans and leases
  $
  5,654
  $
  5,758
  $
  16,714
  $
  17,039
  Interest and dividends on investment securities:
  Taxable
  798
  779
  2,382
  2,555
  Exempt from federal taxes
  168
  95
  411
  96
  Interest on cash and cash equivalents
  6
  19
  26
  47
  Total interest and dividend income
  6,626
  6,651
  19,533
  19,737
  Interest Expense:
  Interest on NOW, money market and savings
  226
  254
  681
  831
  Interest on time deposits
  366
  527
  1,203
  1,711
  Interest on FHLB advances
  213
  213
  635
  651
  Interest on repurchase agreements
  15
  38
  56
  114
  Interest on junior subordinated debentures
  81
  75
  244
  231
  Interest on other borrowings
  20
  21
  60
  74
  Total interest expense
  921
  1,128
  2,879
  3,612
  Net interest income
  5,705
  5,523
  16,654
  16,125
  Provision for credit losses
  375
  426
  1,275
  1,278
  Net interest income after provision for credit losses
  5,330
  5,097
  15,379
  14,847
  Non-interest Income:
  Service charges
  341
  290
  1,010
  831
  Wealth management
  223
  158
  690
  587
  Increase in cash surrender value of BOLI
  60
  61
  178
  181
  Gain on sale of investment securities, net
  161
  -
  240
  2
  Gain on sale of SBA loans
  -
  56
  158
  281
  Loss on sale or write down of OREO
  (229)
  (1)
  (229)
  (1)
  Other fees
  323
  295
  895
  886
  Total non-interest income
  879
  859
  2,942
  2,767
  Non-interest Expense:
  Salaries and employee benefits
  2,268
  2,159
  6,755
  6,504
  Furniture and equipment
  300
  313
  935
  963
  Occupancy
  469
  488
  1,408
  1,461
  Professional and consulting
  318
  269
  936
  832
  Advertising and marketing
  117
  141
  432
  488
  Printing and supplies
  30
  29
  131
  111
  FDIC insurance
  119
  124
  352
  433
  PA shares tax
  141
  129
  424
  387
  Telephone and fax
  42
  52
  147
  155
  Postage
  26
  16
  64
  59
  Other expenses
  409
  397
  1,230
  1,070
  Total non-interest expense
  4,239
  4,117
  12,814
  12,463
  Income before income tax expense
  1,970
  1,839
  5,507
  5,151
  Income tax expense
  554
  544
  1,589
  1,553
  Net income
  $
  1,416
  $
  1,295
  $
  3,918
  $
  3,598
  Preferred stock dividends and accretion of discount
  37
  331
  295
  640
  Net income available to Common Shareholders
  $
  1,379
  $
  964
  $
  3,623
  $
  2,958
  Earnings per common share:
  Basic
  $
  0.51
  $
  0.36
  $
  1.34
  $
  1.11
  Diluted
  $
  0.50
  $
  0.36
  $
  1.32
  $
  1.10
  Cash dividends per common share
  $
  0.05
  $
  0.03
  $
  0.15
  $
  0.09
  Weighted average common shares outstanding:
  Basic
  2,714,427
  2,677,533
  2,708,006
  2,670,811
  Diluted
  2,744,819
  2,696,320
  2,735,471
  2,693,974
  See accompanying notes to unaudited consolidated financial statements.
  4
  DNB Financial Corporation and Subsidiary
  Consolidated Statements of Comprehensive Income (Unaudited)
  Three Months Ended
  Nine Months Ended
  September 30,
  September 30,
  (Dollars in thousands)
  2012
  2011
  2012
  2011
  Net income
  $
  1,416
  $
  1,295
  $
  3,918
  $
  3,598
  Other Comprehensive Income:
  Unrealized holding gains arising during the period
  Before tax amount
  1,021
  (110)
  1,776
  2,257
  Tax effect
  (347)
  38
  (603)
  (767)
  Net of tax
  674
  (72)
  1,173
  1,490
  Discount on AFS to HTM reclassification
  Before tax amount
  -
  -
  -
  (116)
  Tax effect
  -
  -
  -
  39
  Net of tax
  -
  -
  -
  (77)
  Accretion of discount on AFS to HTM reclassification
  Before tax amount
  11
  8
  29
  9
  Tax effect
  (4)
  (3)
  (10)
  (3)
  Net of tax
  7
  5
  19
  6
  Less reclassification for gains included in net income
  Before tax amount
  (161)
  -
  (240)
  (2)
  Tax effect
  55
  -
  82
  1
  Net of tax
  (106)
  -
  (158)
  (1)
  Total other comprehensive income
  575
  (67)
  1,034
  1,418
  Total comprehensive income
  $
  1,991
  $
  1,228
  $
  4,952
  $
  5,016
  Accumulated Other Comprehensive Income (Unaudited)
  Before-Tax
  Tax
  Net-of-Tax
  (Dollars in thousands)
  Amount
  Effect
  Amount
  September 30, 2012
  Net unrealized gain on AFS securities
  $
  1,523
  $
  (517)
  $
  1,006
  Discount on AFS to HTM reclassification
  (63)
  21
  (42)
  Unrealized actuarial losses-pension
  (2,131)
  725
  (1,406)
  Total of all items above
  $
  (671)
  $
  229
  $
  (442)
  December 31, 2011
  Net unrealized loss on AFS securities
  $
  (13)
  $
  4
  $
  (9)
  Discount on AFS to HTM reclassification
  (92)
  31
  (61)
  Unrealized actuarial losses-pension
  (2,131)
  725
  (1,406)
  Total of all items above
  $
  (2,236)
  $
  760
  $
  (1,476)
  See accompanying notes to unaudited consolidated financial statements.
  5
  DNB FINANCIAL CORPORATION AND Subsidiary
  Consolidated Statements of Stockholders' Equity (Unaudited)
  Accumulated
  Other
  Preferred
  Common
  Stock
  Treasury
  Retained
  Comprehensive
  (Dollars in thousands)
  Stock
  Stock
  Warrants
  Stock
  Surplus
  Earnings
  Loss
  Total
  Balance at January 1, 2012
  $
  12,962
  $
  2,891
  $
  -
  $
  (4,252)
  $
  35,060
  $
  5,871
  $
  (1,476)
  $
  51,056
  Net income for nine months ended September 30, 2012
  -
  -
  -
  -
  -
  3,918
  -
  3,918
  Accretion of discount on AFS to HTM reclassification
  -
  -
  -
  -
  -
  -
  19
  19
  Unrealized gains on AFS securities, net
  -
  -
  -
  -
  -
  -
  1,015
  1,015
  SBLF Issuance Costs  accretion
  12
  -
  -
  -
  -
  (12)
  -
  -
  Restricted stock compensation expense
  -
  6
  -
  -
  47
  -
  -
  53
  Stock option compensation
  -
  -
  -
  -
  52
  -
  -
  52
  Cash dividends - common ($.15 per share)
  -
  -
  -
  -
  -
  (407)
  -
  (407)
  Cash dividends SBLF Preferred
  -
  -
  -
  -
  -
  (283)
  -
  (283)
  Sale of treasury shares to 401(k)   (13,098 shares)
  -
  -
  -
  165
  -
  -
  -
  165
  Sale of treasury shares to deferred comp plan (6,615 shares)
  -
  -
  -
  85
  -
  -
  -
  85
  Balance at September 30, 2012
  $
  12,974
  $
  2,897
  $
  -
  $
  (4,002)
  $
  35,159
  $
  9,087
  $
  (442)
  $
  55,673
  Accumulated
  Other
  Preferred
  Common
  Stock
  Treasury
  Retained
  Comprehensive
  (Dollars in thousands)
  Stock
  Stock
  Warrants
  Stock
  Surplus
  Earnings
  Loss
  Total
  Balance at January 1, 2011
  $
  11,541
  $
  2,884
  $
  151
  $
  (4,515)
  $
  35,294
  $
  2,069
  $
  (2,216)
  $
  45,208
  Net income for nine months ended September 30, 2011
  -
  -
  -
  -
  -
  3,598
  -
  3,598
  Accretion of discount on AFS to HTM reclassification
  -
  -
  -
  -
  -
  -
  6
  6
  Unrealized gains on AFS securities, net
  -
  -
  -
  -
  -
  -
  1,412
  1,412
  Preferred stock discount accretion
  209
  -
  -
  -
  -
  (209)
  -
  -
  SBLF Issuance Costs accretion
  3
  -
  -
  -
  -
  (3)
  -
  -
  Restricted stock compensation expense
  -
  5
  -
  -
  40
  -
  -
  45
  Stock option compensation
  -
  -
  -
  -
  18
  -
  -
  18
  SBLF stock issued
  13,000
  -
  -
  -
  -
  -
  -
  13,000
  Repurchase of CPP Preferred stock
  (11,750)
  -
  -
  -
  -
  -
  -
  (11,750)
  SBLF issuance cost
  (45)
  -
  -
  -
  -
  -
  -
  (45)
  Repurchase of stock warrants
  -
  -
  (151)
  -
  (307)
  -
  -
  (458)
  Cash dividends - common ($.09 per share)
  -
  -
  -
  -
  -
  (241)
  -
  (241)
  Cash dividends Preferred
  -
  -
  -
  -
  -
  (348)
  -
  (348)
  Cash dividends-SBLF
  -
  -
  -
  -
  -
  (80)
  -
  (80)
  Sale of treasury shares to 401(k) (10,906 shares)
  -
  -
  -
  164
  -
  -
  -
  164
  Sale of treasury shares to deferred comp plan (2,334 shares)
  -
  -
  -
  23
  -
  -
  -
  23
  Balance at September 30, 2011
  $
  12,958
  $
  2,889
  $
  -
  $
  (4,328)
  $
  35,045
  $
  4,786
  $
  (798)
  $
  50,552
  See accompanying notes to unaudited consolidated financial statements.
  6
  DNB Financial Corporation and Subsidiary
  Consolidated Statements of Cash Flows (Unaudited)
  Nine Months Ended
  September 30,
  (Dollars in thousands)
  2012
  2011
  Cash Flows From Operating Activities:
  Net income
  $
  3,918
  $
  3,598
  Adjustments to reconcile net income to net cash provided by operating activities:
  Depreciation, amortization and accretion
  1,462
  1,754
  Provision for credit losses
  1,275
  1,278
  Unvested stock amortization
  105
  63
  Net gain on sale of securities
  (240)
  (2)
  Net loss on sale and write down of OREO and other repossessed property
  229
  1
  Earnings from investment in BOLI
  (178)
  (181)
  Deferred tax benefit
  10
  2
  Proceeds from sales of SBA loans
  3,013
  3,869
  SBA loans originated for sale
  (2,855)
  (3,588)
  Gain on sale of SBA loans
  (158)
  (281)
  Increase in accrued interest receivable
  (252)
  (354)
  (Increase) decrease in other assets
  (604)
  344
  Decrease in accrued interest payable
  (68)
  (137)
  Increase (decrease) in other liabilities
  730
  (433)
  Net Cash Provided By Operating Activities
  6,387
  5,933
  Cash Flows From Investing Activities:
  Activity in available-for-sale securities:
  Sales
  14,418
  15,762
  Maturities, repayments and calls
  32,070
  37,615
  Purchases
  (61,867)
  (39,585)
  Activity in held-to-maturity securities:
  Sales
  289
  -
  Maturities, repayments and calls
  4,843
  3,943
  Purchases
  (22,839)
  (13,932)
  Net decrease in restricted stock
  198
  443
  Net (increase) decrease in loans and leases
  169
  (18,014)
  Net purchases of property and equipment, less proceeds from disposals
  (508)
  (332)
  Proceeds from sale of OREO and other repossessed property
  203
  461
  Cash received in connection with acquisition of branch, net of cash used
  15,234
  -
  Net Cash Used By Investing Activities
  (17,790)
  (13,639)
  Cash Flows From Financing Activities:
  Net increase in deposits
  4,477
  5,760
  Repayment of FHLBP advances
  -
  (5,000)
  Net (decrease) increase in short term repurchase agreements
  (6,363)
  3,227
  Decrease in other borrowings
  (20)
  (17)
  Dividends paid
  (825)
  (743)
  Proceeds from the issuance of preferred stock (SBLF)
  -
  12,955
  Repurchase of preferred stock and warrant (CPP)
  -
  (12,208)
  Sale of treasury stock, net
  250
  187
  Net Cash Provided by Financing Activities
  (2,481)
  4,161
  Net Change in Cash and Cash Equivalents
  (13,884)
  (3,545)
  Cash and Cash Equivalents at Beginning of Period
  32,877
  26,360
  Cash and Cash Equivalents at End of Period
  $
  18,993
  $
  22,815
  Supplemental Disclosure of Cash Flow Information:
  Cash paid during the period for:
  Interest
  $
  2,952
  $
  3,749
  Income taxes
  1,061
  1,959
  Supplemental Disclosure of Non-cash Flow Information:
  Transfers from loans and leases to real estate owned and other repossessed property
  322
  39
  Transfers of securities from AFS to HTM at fair value (amortized cost of $20,228)
  -
  20,112
  Acquisition adjustments to fair value:
  Core deposits intangible
  (130)
  -
  Accrued interest payable
  5
  -
  Loans and leases
  66
  -
  Property and Equipment
  686
  -
  Deposits
  (15,861)
  -
  See accompanying notes to unaudited consolidated financial statements.
  7
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  NOTE 1: BASIS OF PRESENTATION
  The accompanying unaudited consolidated financial statements of DNB Financial Corporation (referred to herein as the "Corporation" or "DNB") and its subsidiary, DNB First, National Association (the "Bank") have been prepared in accordance with the instructions for Form 10-Q and therefore do not include certain information or footnotes necessary for the presentation of financial condition, statement of operations and statement of cash flows required by generally accepted accounting principles. However, in the opinion of management, the consolidated financial statements reflect all adjustments (which consist of normal recurring adjustments) necessary for a fair presentation of the results for the unaudited periods. Prior amounts not affecting net income are reclassified when necessary to conform to current period classifications. The results of operations for the three month and
  nine month periods ended September 30
  , 2012 are not necessarily indicative of the results which may be expected for the entire year.  The consolidated financial statements should be read in conjunction with the Annual Report and report on Form 10-K for the year ended December 31, 2011.
  Subsequent Events--
  Management has evaluated events and transactions occurring subsequent to
  September
  30, 2012 for items that should potentially be recognized or disclosed in these Consolidated Financial Statements. The evaluation was conducted through the date these financial statements were issued.
  NOTE 2: BRANCH PURCHASE
  On April 2, 2012, the Bank entered into a Purchase and Assumption Agreement with Capital Bank, National Association to acquire certain assets and assume certain liabilities of one full-service branch office of Capital Bank located in Boothwyn, Pennsylvania (the "Branch Acquisition").
  The Bank consummated the Branch Acquisition on
  June 11, 2012
  .  The Bank purchased specified assets of the branch, including personal loans totaling $
  66,000
  , real estate, furniture and equipment totaling $
  670,000
  and  assumed approximately $
  15.9
  million of deposits.  The Branch Acquisition includes the payment to Capital Bank of $
  130,000
  or a 0.82%  premium on the deposits.
  NOTE 3: INVESTMENT SECURITIES
  The amortized cost and estimated fair values of investment securities, as of the dates indicated, are summarized as follows:
  September 30, 2012
  Amortized
  Unrealized
  Unrealized
  Estimated
  (Dollars in thousands)
  Cost
  Gains
  Losses
  Fair Value
  Held To Maturity
  US Government agency obligations
  $
  7,210
  $
  595
  $
  -
  $
  7,805
  Government Sponsored Entities (GSE) mortgage-backed securities
  10,473
  544
  -
  11,017
  Corporate bonds
  6,513
  271
  (5)
  6,779
  Collateralized mortgage obligations GSE
  7,805
  196
  -
  8,001
  State and municipal tax-exempt
  22,089
  769
  -
  22,858
  Total
  $
  54,090
  $
  2,375
  $
  (5)
  $
  56,460
  Available For Sale
  US Government agency obligations
  $
  36,772
  $
  110
  $
  (1)
  $
  36,881
  GSE mortgage-backed securities
  24,183
  703
  -
  24,886
  Collateralized mortgage obligations GSE
  10,746
  62
  (19)
  10,789
  Corporate bonds
  38,838
  825
  (224)
  39,439
  State and municipal tax-exempt
  1,108
  -
  (11)
  1,097
  Asset-backed securities
  9,703
  88
  -
  9,791
  Certificates of deposit
  1,000
  4
  (1)
  1,003
  Equity securities
  27
  -
  (13)
  14
  Total
  $
  122,377
  $
  1,792
  $
  (269)
  $
  123,900
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  December 31, 2011
  Amortized
  Unrealized
  Unrealized
  Estimated
  (Dollars in thousands)
  Cost
  Gains
  Losses
  Fair Value
  Held To Maturity
  Government Sponsored Entities (GSE) mortgage-backed securities
  $
  14,363
  $
  493
  $
  -
  $
  14,856
  Corporate Bonds
  1,548
  18
  -
  1,566
  Collateralized mortgage obligations GSE
  8,139
  163
  -
  8,302
  State and Municipal tax-exempt
  12,377
  580
  -
  12,957
  Total
  $
  36,427
  $
  1,254
  $
  -
  $
  37,681
  Available For Sale
  US Government agency obligations
  $
  43,698
  $
  194
  $
  (1)
  $
  43,891
  GSE mortgage-backed securities
  24,792
  533
  (12)
  25,313
  Collateralized mortgage obligations GSE
  6,148
  24
  (20)
  6,152
  Corporate bonds
  27,141
  84
  (878)
  26,347
  Asset-backed securities
  5,737
  78
  -
  5,815
  Equity securities
  27
  -
  (15)
  12
  Total
  $
  107,543
  $
  913
  $
  (926)
  $
  107,530
  Included in unrealized losses are market losses on securities that have been in a continuous unrealized loss position for twelve months or more and those securities that have been in a continuous unrealized loss position for less than twelve months. The table below details the aggregate unrealized losses and aggregate fair value of the underlying securities whose fair values are below their amortized cost at September 30, 2012 and December 31, 2011.
  September 30, 2012
  Fair Value
  Unrealized
  Fair Value
  Unrealized
  Total
  Impaired
  Loss
  Impaired
  Loss
  Total
  Unrealized
  Less Than
  Less Than
  More Than
  More Than
  (Dollars in thousands)
  Fair Value
  Loss
  12 Months
  12 Months
  12 Months
  12 Months
  Held To Maturity
  Corporate bonds
  $
  2,595
  $
  (5)
  $
  2,595
  $
  (5)
  $
  -
  $
  -
  Total
  $
  2,595
  $
  (5)
  $
  2,595
  $
  (5)
  $
  -
  $
  -
  Available For Sale
  US Government agency obligations
  $
  4,029
  $
  (1)
  $
  4,029
  $
  (1)
  $
  -
  $
  -
  Collateralized mortgage obligations GSE
  4,023
  (19)
  4,023
  (19)
  -
  -
  Corporate bonds
  7,778
  (224)
  3,459
  (41)
  4,319
  (183)
  State and municipal tax-exempt
  1,097
  (11)
  1,097
  (11)
  -
  -
  Certificates of deposit
  249
  (1)
  249
  (1)
  -
  -
  Equity securities
  14
  (13)
  -
  -
  14
  (13)
  Total
  $
  17,190
  $
  (269)
  $
  12,857
  $
  (73)
  $
  4,333
  $
  (196)
  December 31, 2011
  Fair Value
  Unrealized
  Fair Value
  Unrealized
  Total
  Impaired
  Loss
  Impaired
  Loss
  Total
  Unrealized
  Less Than
  Less Than
  More Than
  More Than
  (Dollars in thousands)
  Fair Value
  Loss
  12 Months
  12 Months
  12 Months
  12 Months
  Available For Sale
  US Government agency obligations
  $
  1,522
  $
  (1)
  $
  1,522
  $
  (1)
  $
  -
  $
  -
  GSE mortgage-backed securities
  4,428
  (12)
  4,428
  (12)
  -
  -
  Collateralized mortgage obligations GSE
  4,554
  (20)
  4,554
  (20)
  -
  -
  Corporate bonds
  18,023
  (878)
  14,232
  (477)
  3,791
  (401)
  Equity securities
  12
  (15)
  -
  -
  12
  (15)
  Total
  $
  28,539
  $
  (926)
  $
  24,736
  $
  (510)
  $
  3,803
  $
  (416)
  9
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  As of September 30, 2012, there were
  eight
  corporate bonds,
  two
  U.S. agency obligations,
  two
  collateralized mortgage obligations,
  three
  tax-exempt municipalities,
  one
  certificate
  of deposit, and
  six
  equity securities which were in an unrealized loss position. Twelve of these twenty-two securities did not meet the criteria of having market value loss greater than 10% of book value or had been impaired for more than 12 months. DNB does not intend to sell these securities and management of DNB does not expect to be required to sell any of these securities prior to a recovery of its cost basis. Management does not believe any individual unrealized loss as of September 30, 2012 represents an other-than-temporary impairment. There were
  four
  corporate bonds and
  six
  equity securities that were impaired for more than 12 months. One of the corporate bonds that
  was
  impaired for more than 12 months had a market value loss greater than 10% of book value. DNB reviews its investment portfolio on a quarterly basis judging each investment for other-than-temporary impairment (OTTI). The OTTI analysis focuses on duration and amount by which a security is below book. As of
  September
  30, 2012, the following securities were reviewed:
  Corporate Securities
  The unrealized loss on eight investments in the
  c
  orporate
  b
  ond
  portfolio was
  caused by a number of factors. Some of the bonds have had downgrades since they were purchased. Some of the Corporates have been affected by the market's perception of the impact of sovereign debit holdings and spreads on the financial sector have widened since they were purchased
  . The book value of the four securities is $4.5 million and the unrealized loss is $
  183
  ,000
  or
  4.0%
  . Three of the bonds have been impaired for more than twelve months and have a loss less than 10% of the book value. One of the bonds has been impaired for more than twelve months and has a loss greater than 10% of the book value. The contractual terms of those investments do not permit the issuer to settle these securities at a price less than the par value of the investments. Based on this analysis and an evaluation of DNB's ability and intent to hold these securities for a reasonable period of time sufficient for each security to increase to DNB's cost, DNB does not intend to sell these securities and it is not more likely than not that DNB will be required to sell the securities before recovery of their cost, DNB does not consider these securities to be other-than-temporarily impaired at September 30, 2012.
  Equity securities.
  DNB's investment in six marketable equity securities consists primarily of securities in common stock of community banks in Pennsylvania. The unrealized losses on the six securities in the equity securities portfolio were all impaired for more than twelve months. The severity and duration of the impairment are driven by higher collateral losses, wider credit spreads, and changes in interest rates within the financial services sector. DNB evaluated the prospects of all issuers in relation to the severity and duration of the impairment. Based on this analysis and an evaluation of DNB's ability and intent to hold these securities for a reasonable period of time sufficient for each security to increase to DNB's cost, DNB does not intend to sell these securities and it is not more likely than not that DNB will be required to sell the securities before recovery of their cost, DNB does not consider these securities to be other-than-temporarily impaired at September 30, 2012.
  The amortized cost and estimated fair value of investment securities as of September 30, 2012, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain securities may be called or prepaid without penalties.
  10
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  Held to Maturity
  Available for Sale
  Amortized
  Estimated
  Amortized
  Estimated
  (Dollars in thousands)
  Cost
  Fair Value
  Cost
  Fair Value
  Due in one year or less
  $
  -
  $
  -
  $
  4,556
  $
  4,597
  Due after one year through five years
  17
  17
  48,786
  49,442
  Due after five years through ten years
  23,324
  24,346
  25,304
  25,333
  Due after ten years
  30,749
  32,097
  43,704
  44,514
  No stated maturity
  -
  -
  27
  14
  Total investment securities
  $
  54,090
  $
  56,460
  $
  122,377
  $
  123,900
  DNB sold $14.4 million and $15.8 million from the Available For Sale portfolio during the nine month periods ending September 30, 2012 and 2011, respectively. Gains and losses resulting from investment sales, redemptions or calls were as follows:
  Three Months Ended
  Nine Months Ended
  September 30,
  September 30,
  (Dollars in thousands)
  2012
  2011
  2012
  2011
  Gross realized gains-AFS
  $
  161
  $
  -
  $
  246
  $
  85
  Gross realized losses-AFS
  -
  -
  (6)
  (83)
  Net realized gain
  $
  161
  $
  -
  $
  240
  $
  2
  At September 30, 2012 and
  December 31
  2011, investment securities with a carrying value of approximately $
  9
  6
  million and $
  9
  6
  million, respectively, were pledged to secure public funds, repurchase agreements  and for other purposes as required by law.
  NOTE 4: LOANS AND LEASES
  The following table sets forth information concerning the composition of total loans and leases outstanding, as of the dates indicated.
  (Dollars in thousands)
  September 30, 2012
  December 31, 2011
  Residential mortgage
  $
  25,858
  $
  26,461
  Commercial mortgage
  240,188
  232,297
  Commercial
  94,690
  101,120
  Lease financing
  62
  191
  Consumer
  41,579
  43,615
  Total loans and leases
  $
  402,377
  $
  403,684
  Less allowance for credit losses
  (6,557)
  (6,164)
  Net loans and leases
  $
  395,820
  $
  397,520
  Included in the loan portfolio are loans for which DNB has ceased the accrual of interest (i.e. non-accrual loans). Loans of
  approximately $
  7.1
  million and
  $
  7.4
  million as of September 30, 2012 and December 31, 2011, respectively, were on a non-accrual basis. DNB also had loans of approximately $2.7 million and $
  210,000
  that were 90 days or more delinquent, but still accruing, as of September 30, 2012 and December 31, 2011, respectively. If contractual interest income had been recorded on non-accrual loans, interest would have been increased as shown in the following table:
  11
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  Nine Months Ended
  September 30,
  (Dollars in thousands)
  2012
  2011
  Interest income which would have been recorded under original terms
  $
  255
  $
  291
  Interest income recorded during the period
  (3)
  (38)
  Net impact on interest income
  $
  252
  $
  253
  NOTE 5: ALLOWANCE FOR CREDIT LOSSES
  Impaired loans are loans individually evaluated for collectability, and which will probably not be collected in accordance with their contractual terms. Information regarding impaired loans is for the periods indicated is as follows:
  At and For the
  Nine Months Ended
  September 30,
  (Dollars in thousands)
  2012
  2011
  Total recorded investment
  $
  7,298
  $
  8,134
  Impaired loans with a specific allowance
  2,112
  4,992
  Impaired loans without a specific allowance
  5,186
  3,142
  Average recorded investment
  7,838
  7,301
  Specific allowance allocation
  849
  355
  Total cash collected
  3,005
  1,527
  Interest income recorded
  213
  59
  The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the past due status as of September 30, 2012 and December 31, 2011.
  Age Analysis of Past Due Loans Receivables
  September 30, 2012
  Loans
  Receivable
  30-59
  60-89
  Greater
  Total
  > 90
  Days Past
  Days Past
  than
  Total
  Loans
  Days and
  (Dollars in thousands)
  Due
  Due
  90 Days
  Past Due
  Current
  Receivables
  Accruing
  Residential mortgage
  $
  963
  $
  -
  $
  2,261
  $
  3,224
  $
  22,634
  $
  25,858
  $
  60
  Commercial mortgage
  75
  -
  2,805
  2,880
  237,308
  240,188
  2,485
  Commercial:
  Commercial term
  -
  -
  65
  65
  79,798
  79,863
  -
  Commercial construction
  -
  -
  2,031
  2,031
  12,796
  14,827
  -
  Lease financing
  -
  -
  33
  33
  29
  62
  -
  Consumer:
  Home equity
  33
  -
  212
  245
  34,129
  34,374
  93
  Other
  107
  90
  83
  280
  6,925
  7,205
  83
  Total
  $
  1,178
  $
  90
  $
  7,490
  $
  8,758
  $
  393,619
  $
  402,377
  $
  2,721
  12
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  December 31, 2011
  Loans
  Receivable
  30-59
  60-89
  Greater
  Total
  > 90
  Days Past
  Days Past
  than
  Total
  Loans
  Days and
  (Dollars in thousands)
  Due
  Due
  90 Days
  Past Due
  Current
  Receivables
  Accruing
  Residential mortgage
  $
  692
  $
  —
  $
  1,873
  $
  2,565
  $
  23,896
  $
  26,461
  $
  —
  Commercial mortgage
  257
  —
  2,324
  2,581
  229,716
  232,297
  210
  Commercial:
  Commercial term
  —
  54
  200
  254
  76,048
  76,302
  —
  Commercial construction
  —
  —
  312
  312
  24,506
  24,818
  —
  Lease financing
  —
  —
  61
  61
  130
  191
  —
  Consumer:
  Home equity
  175
  —
  60
  235
  35,807
  36,042
  —
  Other
  15
  —
  21
  36
  7,537
  7,573
  —
  Total
  $
  1,139
  $
  54
  $
  4,851
  $
  6,044
  $
  397,640
  $
  403,684
  $
  210
  The following table sets forth those assets that are: (i) placed on non-accrual status, (ii) contractually delinquent by 90 days or more and still accruing, (iii) troubled debt restructurings other than those included in items (i) and (ii), and (iv) OREO as a result of foreclosure or voluntary transfer to DNB as well as other repossessed assets.
  Non-Performing Assets
  (Dollars in thousands)
  September 30, 2012
  December 31, 2011
  Non-accrual loans:
  Residential mortgage
  $
  2,201
  $
  1,873
  Commercial mortgage
  320
  2,114
  Commercial
  4,391
  3,233
  Lease financing
  33
  61
  Consumer
  163
  151
  Total non-accrual loans
  7,108
  7,432
  Loans 90 days past due and still accruing
  2,721
  210
  Total non-performing loans
  9,829
  7,642
  Other real estate owned & other repossessed property
  3,864
  3,974
  Total non-performing assets
  $
  13,693
  $
  11,616
  13
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  The following tables summarize information in regards to impaired loans by loan portfolio class as of and for the three and nine months ended September 30, 2012 and as of and for the year ended December 31, 2011.
  Impaired Loans
  September 30, 2012
  Average
  Average
  Interest
  Interest
  Recorded
  Recorded
  Income
  Income
  Recorded
  Unpaid
  Related
  Investment
  Investment
  Recognized
  Recognized
  Investment
  Principal
  Allowance
  three months ended
  nine months ended
  three months ended
  months ended
  (Dollars in thousands)
  Balance
  September 30, 2012
  September 30, 2012
  September 30, 2012
  September 30, 2012
  With no related allowance recorded:
  Residential mortgage
  $
  2,390
  $
  2,887
  $
  -
  $
  2,409
  $
  2,207
  $
  -
  $
  -
  Commercial mortgage
  240
  247
  -
  240
  171
  -
  1
  Commercial:
  Commercial term
  65
  399
  -
  76
  139
  -
  12
  Commercial construction
  2,295
  2,833
  -
  3,177
  2,318
  130
  130
  Lease financing
  33
  47
  -
  46
  54
  -
  -
  Consumer
  163
  164
  -
  161
  156
  -
  4
  With allowance recorded:
  Residential mortgage
  -
  -
  -
  -
  -
  -
  -
  Commercial mortgage
  81
  84
  43
  82
  590
  -
  -
  Commercial:
  Commercial term
  -
  -
  -
  -
  -
  -
  -
  Commercial construction
  2,031
  2,031
  806
  2,031
  2,203
  27
  66
  Lease financing
  -
  -
  -
  -
  -
  -
  -
  Consumer
  -
  -
  -
  -
  -
  -
  -
  Total:
  Residential mortgage
  2,390
  2,887
  -
  2,409
  2,207
  -
  -
  Commercial mortgage
  321
  331
  43
  322
  761
  -
  1
  Commercial:
  Commercial term
  65
  399
  -
  76
  139
  -
  12
  Commercial construction
  4,326
  4,864
  806
  5,208
  4,521
  157
  196
  Lease financing
  33
  47
  -
  46
  54
  -
  -
  Consumer
  163
  164
  -
  161
  156
  -
  4
  Total
  $
  7,298
  $
  8,692
  $
  849
  $
  8,222
  $
  7,838
  $
  157
  $
  213
  December 31, 2011
  Average
  Average
  Interest
  Interest
  Recorded
  Recorded
  Income
  Income
  Recorded
  Unpaid
  Related
  Investment
  Investment
  Recognized
  Recognized
  Investment
  Principal
  Allowance
  three months ended
  year ended
  three months ended
  year ended
  (Dollars in thousands)
  Balance
  December 31, 2011
  December 31, 2011
  December 31, 2011
  December 31, 2011
  With no related allowance recorded:
  Residential mortgage
  $
  2,014
  $
  2,413
  $
  -
  $
  1,262
  $
  1,095
  $
  -
  $
  -
  Commercial mortgage
  -
  -
  -
  1,019
  821
  -
  58
  Commercial:
  Commercial term
  202
  566
  -
  217
  206
  -
  1
  Commercial construction
  312
  634
  -
  156
  339
  -
  -
  Lease financing
  61
  74
  -
  63
  123
  -
  -
  Consumer
  151
  152
  -
  107
  79
  -
  -
  With allowance recorded:
  Residential mortgage
  -
  -
  -
  755
  959
  -
  -
  Commercial mortgage
  2,114
  2,116
  826
  1,057
  444
  -
  -
  Commercial:
  Commercial term
  -
  -
  -
  192
  450
  -
  -
  Commercial construction
  2,720
  2,833
  359
  2,952
  2,813
  -
  -
  Lease financing
  -
  -
  -
  -
  27
  -
  -
  Consumer
  -
  -
  -
  -
  -
  -
  -
  Total:
  Residential mortgage
  2,014
  2,413
  -
  2,017
  2,054
  -
  -
  Commercial mortgage
  2,114
  2,116
  826
  2,076
  1,265
  -
  58
  Commercial:
  Commercial term
  202
  566
  -
  409
  656
  -
  1
  Commercial construction
  3,032
  3,467
  359
  3,108
  3,152
  -
  -
  Lease financing
  61
  74
  -
  63
  150
  -
  -
  Consumer
  151
  152
  -
  107
  79
  -
  -
  Total
  $
  7,574
  $
  8,788
  $
  1,185
  $
  7,780
  $
  7,356
  $
  -
  $
  59
  14
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  The following tables present the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within DNB's internal risk rating system as of September 30, 2012 and December 31, 2011
  .
  Credit Quality Indicators
  September 30, 2012
  Special
  (Dollars in thousands)
  Pass
  Mention
  Substandard
  Doubtful
  Total
  Residential mortgage
  $
  23,363
  $
  -
  $
  2,495
  $
  -
  $
  25,858
  Commercial mortgage
  215,040
  11,169
  13,979
  -
  240,188
  Commercial:
  Commercial term
  79,289
  79
  430
  65
  79,863
  Commercial construction
  6,598
  -
  6,198
  2,031
  14,827
  Lease financing
  62
  -
  -
  -
  62
  Consumer:
  Home equity
  34,069
  -
  305
  -
  34,374
  Other
  7,201
  -
  4
  -
  7,205
  Total
  $
  365,622
  $
  11,248
  $
  23,411
  $
  2,096
  $
  402,377
  15
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  December 31, 2011
  Special
  (Dollars in thousands)
  Pass
  Mention
  Substandard
  Doubtful
  Total
  Residential mortgage
  $
  24,589
  $
  —
  $
  1,872
  $
  —
  $
  26,461
  Commercial mortgage
  214,086
  11,346
  4,834
  2,031
  232,297
  Commercial:
  Commercial term
  74,961
  690
  586
  65
  76,302
  Commercial construction
  17,624
  —
  7,194
  —
  24,818
  Lease financing
  191
  —
  —
  —
  191
  Consumer:
  Home equity
  35,976
  —
  66
  —
  36,042
  Other
  7,573
  —
  —
  —
  7,573
  Total
  $
  375,000
  $
  12,036
  $
  14,552
  $
  2,096
  $
  403,684
  The following tables sets forth the composition of DNB's allowance for credit losses as of September 30, 2012
  and 2011
  , the activity for the three and nine months ended September 30, 2012 and 2011
  as of and for
  the year ended December 31, 2011.
  Allowance for Credit Losses and Recorded Investment in Loans Receivables
  Lease
  Residential
  (Dollars in thousands)
  Commercial
  financing
  mortgage
  Consumer
  Unallocated
  Total
  Allowance for credit losses:
  Beginning balance - July 1, 2012
  $
  4,800
  $
  5
  $
  378
  $
  268
  $
  763
  $
  6,214
  Charge-offs
  (10)
  -
  (81)
  -
  -
  (91)
  Recoveries
  23
  26
  5
  5
  -
  59
  Provisions
  486
  (28)
  104
  (12)
  (175)
  375
  Ending balance - September 30, 2012
  $
  5,299
  $
  3
  $
  406
  $
  261
  $
  588
  $
  6,557
  Lease
  Residential
  (Dollars in thousands)
  Commercial
  financing
  mortgage
  Consumer
  Unallocated
  Total
  Allowance for credit losses:
  Beginning balance - January 1, 2012
  $
  4,945
  $
  10
  $
  383
  $
  260
  $
  566
  $
  6,164
  Charge-offs
  (876)
  (1)
  (99)
  (9)
  -
  (985)
  Recoveries
  26
  36
  15
  26
  -
  103
  Provisions
  1,204
  (42)
  107
  (16)
  22
  1,275
  Ending balance - September 30, 2012
  $
  5,299
  $
  3
  $
  406
  $
  261
  $
  588
  $
  6,557
  Ending balance: individually evaluated for impairment
  $
  849
  $
  -
  $
  -
  $
  -
  $
  -
  $
  849
  Ending balance: collectively evaluated for impairment
  $
  4,450
  $
  3
  $
  406
  $
  261
  $
  588
  $
  5,708
  Loans receivables:
  Ending balance
  $
  334,878
  $
  62
  $
  25,858
  $
  41,579
  $
  402,377
  Ending balance: individually evaluated for impairment
  $
  4,712
  $
  33
  $
  2,390
  $
  163
  $
  7,298
  Ending balance: collectively evaluated for impairment
  $
  330,166
  $
  29
  $
  23,468
  $
  41,416
  $
  395,079
  Reserve for unfunded loan commitments
  $
  97
  $
  -
  $
  -
  $
  9
  $
  106
  Lease
  Residential
  (Dollars in thousands)
  Commercial
  financing
  mortgage
  Consumer
  Unallocated
  Total
  Allowance for credit losses:
  Beginning balance - July 1, 2011
  $
  4,685
  $
  19
  $
  386
  $
  482
  $
  871
  $
  6,443
  Charge-offs
  (408)
  (9)
  (72)
  (32)
  -
  (521)
  Recoveries
  2
  1
  12
  8
  -
  23
  Provisions
  (21)
  15
  171
  (12)
  273
  426
  Ending balance - September 30, 2011
  $
  4,258
  $
  26
  $
  497
  $
  446
  $
  1,144
  $
  6,371
  16
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  Lease
  Residential
  (Dollars in thousands)
  Commercial
  financing
  mortgage
  Consumer
  Unallocated
  Total
  Allowance for credit losses:
  Beginning balance - January 1, 2011
  $
  4,387
  $
  86
  $
  454
  $
  482
  $
  475
  $
  5,884
  Charge-offs
  (428)
  (196)
  (238)
  (32)
  -
  (894)
  Recoveries
  7
  2
  74
  20
  -
  103
  Provisions
  292
  134
  207
  (24)
  669
  1,278
  Ending balance - September 30, 2011
  $
  4,258
  $
  26
  $
  497
  $
  446
  $
  1,144
  $
  6,371
  Ending balance: individually evaluated for impairment
  $
  254
  $
  -
  $
  101
  $
  -
  $
  -
  $
  355
  Ending balance: collectively evaluated for impairment
  $
  4,004
  $
  26
  $
  396
  $
  446
  $
  1,144
  $
  6,016
  Loans receivables:
  Ending balance
  $
  337,683
  $
  264
  $
  26,975
  $
  46,452
  $
  411,374
  Ending balance: individually evaluated for impairment
  $
  5,839
  $
  65
  $
  2,020
  $
  210
  $
  8,134
  Ending balance: collectively evaluated for impairment
  $
  331,844
  $
  199
  $
  24,955
  $
  46,242
  $
  403,240
  Reserve for unfunded loan commitments
  $
  92
  $
  -
  $
  -
  $
  17
  $
  109
  Lease
  Residential
  (Dollars in thousands)
  Commercial
  financing
  mortgage
  Consumer
  Unallocated
  Total
  Allowance for credit losses:
  Beginning balance - January 1, 2011
  $
  4,387
  $
  86
  $
  454
  $
  482
  $
  475
  $
  5,884
  Charge-offs
  (768)
  (200)
  (280)
  (64)
  -
  (1,312)
  Recoveries
  9
  3
  79
  21
  -
  112
  Provisions
  1,317
  121
  130
  (179)
  91
  1,480
  Ending balance - December 31, 2011
  $
  4,945
  $
  10
  $
  383
  $
  260
  $
  566
  $
  6,164
  Ending balance: individually evaluated for impairment
  $
  1,185
  $
  -
  $
  -
  $
  -
  $
  -
  $
  1,185
  Ending balance: collectively evaluated for impairment
  $
  3,760
  $
  10
  $
  383
  $
  260
  $
  566
  $
  4,979
  Loans receivables:
  Ending balance
  $
  333,417
  $
  191
  $
  26,461
  $
  43,615
  $
  403,684
  Ending balance: individually evaluated for impairment
  $
  5,348
  $
  61
  $
  2,014
  $
  151
  $
  7,574
  Ending balance: collectively evaluated for impairment
  $
  328,069
  $
  130
  $
  24,447
  $
  43,464
  $
  396,110
  Reserve for unfunded loan commitments
  $
  90
  $
  —
  $
  —
  $
  9
  $
  99
  17
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  NOTE 6: EARNINGS PER SHARE
  Basic earnings per share ("EPS") is computed based on the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the treasury stock method and reflects the potential dilution that could occur from the exercise of stock options, and warrants and the amortized portion of unvested stock awards. Stock options and unvested stock awards for which the exercise or the grant price exceeds the average market price over the period have an anti-dilutive effect on EPS and, accordingly, are excluded from the calculation. Treasury shares are not deemed outstanding for calculations. There were no
  outstanding stock warrants in 2012
  ,
  128,568
  anti-dilutive stock options outstanding, and no anti-dilutive stock awards outstanding at September 30, 2012. There were no anti-dilutive stock warrants outstanding,
  149,561
  anti-dilutive stock options outstanding, and no anti-dilutive stock awards at
  September
  30, 2011. See Note 11 for a discussion of stock warrants issued
  and redeemed
  in conjunction with Preferred shares issued to the U.S. Treasury Department as part of the CPP. The following table sets forth the computation of basic and diluted earnings per share:
  Three Months Ended
  Nine Months Ended
  September 30, 2012
  September 30, 2012
  (In thousands, except per-share data)
  Income
  Shares
  Amount
  Income
  Shares
  Amount
  Basic EPS
  Income available to common stockholders
  $
  1,379
  2,714
  $
  0.51
  $
  3,623
  2,708
  $
  1.34
  Effect of potential dilutive common stock equivalents– stock options and  restricted shares
  -
  31
  (0.01)
  -
  27
  (0.02)
  Diluted EPS
  Income available to common stockholders after assumed conversions
  $
  1,379
  2,745
  $
  0.50
  $
  3,623
  2,735
  $
  1.32
  Three Months Ended
  Nine Months Ended
  September 30, 2011
  September 30, 2011
  (In thousands, except per-share data)
  Income
  Shares
  Amount
  Income
  Shares
  Amount
  Basic EPS
  Income available to common stockholders
  $
  964
  2,678
  $
  0.36
  $
  2,958
  2,708
  $
  1.11
  Effect of potential dilutive common stock equivalents– stock options, restricted shares and warrants
  -
  18
  -
  -
  27
  (0.01)
  Diluted EPS
  Income available to common stockholders after assumed conversions
  $
  964
  2,696
  $
  0.36
  $
  2,958
  2,735
  $
  1.10
  NOTE 7: JUNIOR SUBORDINATED DEBENTURES
  DNB has two issuances of junior subordinated debentures (the "debentures") as follows. The majority of the proceeds of each issuance were invested in DNB's subsidiary, DNB First, National Association, to increase the Bank's capital levels. The junior subordinated debentures issued in each case qualify as a component of capital for regulatory purposes. DNB Capital Trust I and II are special purpose Delaware business trusts, which are not consolidated.
  DNB Capital Trust I
  DNB's first issuance of junior subordinated debentures was on
  July 20, 2001
  . This issuance of debentures are floating rate and were issued to DNB Capital Trust I, a Delaware business trust in which DNB owns all of the common equity. DNB Capital Trust I issued $
  5
  million of
  floating rate (6 month Libor plus 3.75%, with a cap of 12%)
  capital preferred securities to a qualified institutional buyer. The proceeds of these securities were used by the Trust, along with DNB's capital contribution, to purchase $
  5,155,000
  principal amount of DNB's floating rate junior subordinated debentures. The preferred securities have been redeemable since
  July 25, 2006
  and must be redeemed upon maturity of the debentures on
  July 25, 2031
  .
  18
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  DNB Capital Trust II
  DNB's second issuance of junior subordinated debentures was on
  March 30, 2005
  . This issuance of debentures are floating rate and were issued to DNB Capital Trust II, a Delaware business trust in which DNB owns all of the common equity. DNB Capital Trust II issued $
  4.0
  million of
  floating rate (the rate was fixed at 6.56% for the first 5 years and is now adjusting at a rate of 3-month LIBOR plus 1.77%)
  capital preferred securities. The proceeds of these securities were used by the Trust, along with DNB's capital contribution, to purchase $
  4.1
  million principal amount of DNB's floating rate junior subordinated debentures. The preferred securities have been redeemable since
  May 23, 2010
  . The preferred securities must be redeemed upon maturity of the debentures on
  May 23, 2035
  .
  NOTE 8: STOCK-BASED COMPENSATION
  Stock Option Plan
  DNB has a Stock Option Plan for employees and directors. Under the plan, options (both qualified and non-qualified) to purchase a
  maximum of
  79
  3,368
  (as adjusted
  for subsequent stock dividends) shares of DNB's common stock could be issued to employees and directors. Under the plan, option exercise prices must equal the fair market value of the shares on the date of option grant and the option exercise period may not exceed
  ten
  years. Vesting of options under the plan is determined by the Plan Committee. There
  were
  327,964
  shares available for
  grant at September 30, 2012. All options with the exception of
  44,600
  options granted on April 23, 2010 and
  44,600
  options granted on December 12, 2011 are immediately exercisable. The options granted on April 23, 2010 have a fair value of $
  100,000
  or $
  2.25
  per share, based on a risk free interest rate of
  3.273
  %, a dividend yield of
  1.73
  % and a volatility of
  35.564
  % and are subject to
  four
  year cliff vesting. These options which expire on
  April 23, 2017
  if not exercised or cancelled, have an exercise price of $
  6.93
  per share, and the shares are restricted from resale for
  two
  years after exercise. These options are exercisable only at and after such time as the market value of the common stock first equals or exceeds $
  7.97
  , which is
  115
  % of the $6.93 exercise price. The options granted on December 12, 2011 have a fair value of $
  141,000
  or $
  3.17
  per share, based on a risk free interest rate of
  1.445
  %, a dividend yield of
  1.16
  % and a volatility of
  36.513
  % and are subject to
  three
  year cliff vesting. These options which expire on
  December 12, 2018
  if not exercised or cancelled, have an exercise price of $
  10.31
  per share, and the shares are restricted from resale for two years after exercise. These options are exercisable only at and after such time as the market value of the common stock first equals or exceeds $11.34, which is 110% of the $10.31 exercise price.  DNB expensed $
  52
  ,000
  during the nine months ended September 30, 2012 and anticipates additional expense of $
  37,000
  through April 23, 2014 for the options granted on April 23, 2010 and $
  103,000
  through
  December 12, 2014
  for the options granted on December 12, 2011, the dates the options can first be exercised. Stock option activity is indicated below.
  Number
  Weighted Average
  Outstanding
  Exercise Price
  Outstanding January 1, 2012
  236,438
  $
  15.98
  Issued
  -
  -
  Exercised
  -
  -
  Forfeited
  (2,605)
  9.69
  Expired
  (19,215)
  16.83
  Outstanding September 30, 2012
  214,618
  $
  15.98
  Number
  Weighted Average
  Outstanding
  Exercise Price
  Outstanding January 1, 2011
  203,575
  $
  16.96
  Issued
  -
  -
  Exercised
  -
  -
  Forfeited
  (1,000)
  6.93
  Expired
  (9,414)
  11.16
  Outstanding September 30, 2011
  193,161
  $
  17.29
  19
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  The weighted-average price and weighted average remaining contractual life for the outstanding options are listed below for the dates indicated.
  September 30, 2012
  Range of
  Weighted Average
  Exercise
  Number
  Number
  Exercise
  Remaining
  Intrinsic
  Prices
  Outstanding
  Exercisable
  Price
  Contractual Life
  Value
  $
  6.93-10.99
  86,050
  -
  $
  8.67
  5.41 years
  $
  652,000
  14.00-19.99
  61,715
  61,715
  17.62
  2.97 years
  -
  20.00-22.99
  18,812
  18,812
  22.78
  2.22 years
  -
  23.00-24.27
  48,041
  48,041
  24.27
  2.55 years
  -
  Total
  214,618
  128,568
  $
  15.98
  3.79 years
  $
  652,000
  September 30, 2011
  Range of
  Weighted Average
  Exercise
  Number
  Number
  Exercise
  Remaining
  Intrinsic
  Prices
  Outstanding
  Exercisable
  Price
  Contractual Life
  Value
  $
  6.93-10.99
  43,600
  -
  $
  6.93
  5.57 years
  $
  115,000
  14.00-19.99
  82,419
  82,419
  17.44
  3.23 years
  —
  20.00-22.99
  19,101
  19,101
  22.78
  3.23 years
  —
  23.00-24.27
  48,041
  48,041
  24.27
  3.55 years
  —
  Total
  193,161
  149,561
  $
  17.29
  3.84 years
  $
  115,000
  Other Stock-Based Compensation
  DNB maintains an Incentive Equity and Deferred Compensation Plan (the "Plan"). The Plan provides that up to
  243,101
  (as adjusted for subsequent stock dividends) shares of common stock may be granted, at the discretion of the Board, to individuals of the Corporation. Shares already granted are issuable on the earlier of three years after the date of the grant or a change in control of DNB if the recipients are then employed by DNB ("Vest Date").  Upon issuance of the shares, resale of the shares is restricted for an additional one year, during which the shares may not be sold, pledged or otherwise disposed of. Prior to the Vest Date and in the event the recipient terminates association with DNB for reasons other than death, disability or change in control, the recipient forfeits all rights to the shares that would otherwise be issued under the grant.
  Share awards granted by the Plan were recorded at the date of award based on the market value of shares.  Awards are being amortized to expense over the three-year cliff-vesting period. DNB records compensation expense equal to the value of the shares being amortized.  For the three and nine-month periods ended September 30, 2012, $
  18,000
  and $
  53
  ,000
  were amortized to expense. For the three and nine-month periods ended June 30, 2011, $
  15,000
  and $
  45,000
  , respectively, were amortized to expense. At September 30, 2012, approximately $
  142,000
  in additional compensation will be recognized over the remaining service period of approximately
  1.92
  years. At September 30, 2012,
  177,424
  shares were reserved for future grants under the Plan.
  Stock grant activity is indicated below:
  Weighted Average
  Shares
  Stock Price
  Non-vested stock awards—January 1, 2012
  29,200
  $
  8.67
  Granted
  —
  —
  Forfeited
  —
  —
  Vested
  —
  —
  Non-vested stock awards—September 30, 2012
  29,200
  $
  8.67
  20
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  Weighted Average
  Shares
  Stock Price
  Non-vested stock awards—January 1, 2011
  22,750
  $
  7.91
  Granted
  —
  —
  Forfeited
  —
  —
  Vested
  —
  —
  Non-vested stock awards—September 30, 2011
  22,750
  $
  7.91
  NOTE 9:  INCOME TAXES
  As of
  September
  30, 2012, the Corporation had no material unrecognized tax benefits or accrued interest and penalties. It is the Corporation's policy to account for interest and penalties accrued relative to unrecognized tax benefits as a component of income tax expense.  Federal and state tax years
  2009
  through 2011 were open for examination as of
  September
  30, 2012.
  NOTE 10:  FAIR VALUE OF FINANCIAL INSTRUMENTS
  FASB ASC Topic 820, Fair Value Measurements and Disclosures, establishes a fair value hierarchy based on the nature of data inputs for fair value determinations, under which DNB is required to value each asset within its scope using assumptions that market participations would utilize to value that asset. When DNB uses its own assumptions, it is required to disclose additional information about the assumptions used and the effect of the measurement on earnings or the net change in assets for the period.
  The three levels of the fair value hierarchy under FASB ASC Topic 820 are as follows:
  Level 1—Quoted prices in active markets for identical securities.
  Level 2—Quoted prices for similar instruments in active markets; quoted prices for identical or similar instruments in markets that are not active and model derived valuations whose inputs are observable or whose significant value drivers are observable.
  Level 3—Instruments whose significant value drivers are unobservable.
  A description of the valuation methodologies used for assets measured at fair value is set forth below:
  DNB's available-for-sale investment securities, which generally include U.S. government agencies and mortgage backed securities, collateralized mortgage obligations, corporate bonds and equity securities are reported at fair value. These securities are valued by an independent third party ("preparer"). The preparer's evaluations are based on market data. They utilize evaluated pricing models that vary by asset and incorporate available trade, bid and other market information. For securities that do not trade on a daily basis, their evaluated pricing applications apply available information such as benchmarking and matrix pricing. The market inputs normally sought in the evaluation of securities include benchmark yields, reported trades, broker/dealer quotes (only obtained from market makers or broker/dealers recognized as market participants), issuer spreads, two-sided markets, benchmark securities, bid, offers and reference data. For certain securities additional inputs may be used or some market inputs may not be applicable. Inputs are prioritized differently on any given day based on market conditions.
  U.S. Government agencies are evaluated and priced using multi
  ‑dimensional relational models and option adjusted spreads. State and municipal securities are evaluated on a series of matrices including reported trades and material event notices. Mortgage backed securities are evaluated using matrix correlation to treasury or floating index benchmarks, prepayment speeds, monthly payment information and other benchmarks. Other securities are evaluated using a broker-quote based application, including quotes from issuers.
  Impaired loans are those loans that the Bank has measured impairment generally based on the fair value of the loan's collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements.
  21
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  OREO assets are adjusted to fair value less estimated selling costs upon transfer of the loans to OREO. Subsequently, OREO assets are carried at the lower of carrying value or fair value. Fair value is based upon independent market prices, appraised values of the collateral or management's estimation of the value of the collateral. There assets are included as level 3 fair values.
  The following table summarizes the assets at
  September 30
  , 2012 and December 31, 2011 that are recognized on DNB's balance sheet using fair value measurement determined based on the differing levels of input:
  September 30, 2012
  Assets at
  (Dollars in thousands)
  Level 1
  Level 2
  Level 3
  Fair Value
  Assets Measured at Fair Value on a Recurring Basis
  AFS Investment Securities:
  US Government agency obligations
  $
  -
  $
  36,881
  $
  -
  $
  36,881
  GSE mortgage-backed securities
  -
  24,886
  -
  24,886
  Collateralized mortgage obligations GSE
  -
  10,789
  -
  10,789
  Corporate bonds
  -
  39,439
  -
  39,439
  State and municipal tax-exempt bonds
  -
  1,097
  -
  1,097
  Asset-backed securities
  -
  9,791
  -
  9,791
  Certificates of deposit
  -
  1,003
  -
  1,003
  Equity securities
  14
  -
  -
  14
  Total assets measured at fair value on a recurring basis
  $
  14
  $
  123,886
  $
  -
  $
  123,900
  Assets Measured at Fair Value on a Nonrecurring Basis
  Impaired loans
  $
  -
  $
  -
  $
  1,263
  $
  1,263
  OREO and other repossessed property
  -
  -
  2,182
  2,182
  Total assets measured at fair value on a nonrecurring basis
  $
  -
  $
  -
  $
  3,445
  $
  3,445
  December 31, 2011
  Assets at
  (Dollars in thousands)
  Level 1
  Level 2
  Level 3
  Fair Value
  Assets Measured at Fair Value on a Recurring Basis
  AFS Investment Securities:
  US Government agency obligations
  $
  -
  $
  43,891
  $
  -
  $
  43,891
  GSE mortgage-backed securities
  -
  25,313
  -
  25,313
  Collateralized mortgage obligations GSE
  -
  6,152
  -
  6,152
  Corporate bonds
  -
  26,347
  -
  26,347
  Asset-backed securities
  -
  5,815
  -
  5,815
  Equity securities
  12
  -
  -
  12
  Total assets measured at fair value on a recurring basis
  $
  12
  $
  107,518
  $
  -
  $
  107,530
  Assets Measured at Fair Value on a Nonrecurring Basis
  Impaired loans
  $
  -
  $
  -
  $
  3,649
  $
  3,649
  OREO and other repossessed property
  -
  -
  100
  100
  Total assets measured at fair value on a nonrecurring basis
  $
  -
  $
  -
  $
  3,749
  $
  3,749
  22
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  The following table presents additional information about assets measured at fair value on a nonrecurring basis and for which DNB has utilized Level 3 inputs to determine fair value:
  Quantitative Information about Level 3 Fair Value Measurement
  (Dollars in thousands)
  Fair Value
  Valuation
  Range (Weighted
  Estimate
  Techniques
  Unobservable Input
  Average)*
  September 30, 2012
  Impaired Loans- Commercial Construction
  $
  1,225
  Income approach
  Capitalization rate
  (38)
  %
  Disposal costs
  (2)
  %
  Impaired Loans- Commercial Mortgage
  $
  38
  Appraisal of collateral (1)
  Disposal costs (2)
  (23)
  %
  * As of
  September 30
  , 2012 there is only 1 loan in each impaired loan type.
  (1)
  Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.
  (2)
  Appraisals may be adjusted by management for qualitative factors and disposal costs. The range and weighted average of disposal costs are presented as a percent of the appraisal.
  Impaired loans.
  Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $
  7.3
  million at
  September
  30, 2012. Of this, $2.1 million had a valuation allowance of $8
  49
  ,000 and $
  5.2
  million had no valuation allowance as of
  September 30
  , 2012. Impaired loans had a carrying amount of $7.6 million at December 31, 2011. Of this, $4.8 million had a valuation allowance of $1.2 million and $2.8 million had no valuation allowance as of December 31, 2011.
  Other Real Estate Owned & other repossessed property.
  Other real estate owned ("OREO") consists of properties acquired as a result of, or in-lieu-of, foreclosure. Properties or other assets (primarily repossessed assets formerly leased) are classified as OREO and other repossessed property are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying value or fair value, less estimated costs to sell. Costs relating to the development or improvement of the assets are capitalized and costs relating to holding the assets are charged to expense. DNB had $3.
  9
  million of such assets at
  September 30
  , 2012, which consisted of $
  3
  .7
  million in OREO and $
  139
  ,000
  in other repossessed property. DNB had $4.0 million of such assets at December 31, 2011, which consisted of $
  3.8
  million in OREO and $
  212,000
  in other repossessed property. Subsequent to the repossession of these assets, DNB
  wrote down the carrying values by $212,000 during the nine month period ending September 30, 2012.
  DNB's policy is to recognize transfer between levels as of the actual date of the event or change in circumstances that caused the transfer. There were no transfers between level 1 and 2 for the three and
  nine
  months ended
  September
  30, 2012.
  Below is management's estimate of the fair value of all financial instruments, whether carried at cost or fair value on the Company's consolidated balance sheet. The carrying amounts and estimated fair values of financial instruments at
  September 30
  , 2012 and December 31, 2011 are as follows:
  September 30, 2012
  Estimated
  Carrying
  Fair
  (Dollars in thousands)
  Amount
  Value
  Level 1
  Level 2
  Level 3
  Financial assets
  Cash and cash equivalents
  $
  18,993
  $
  18,993
  $
  18,993
  $
  -
  $
  -
  AFS investment securities
  123,900
  123,900
  14
  123,886
  -
  HTM investment securities
  54,090
  56,460
  -
  56,460
  -
  Restricted stock
  3,427
  3,427
  3,427
  -
  -
  Loans and leases, net of allowance
  395,820
  400,565
  -
  -
  400,565
  Accrued interest receivable
  2,788
  2,788
  2,788
  -
  -
  Financial liabilities
  Deposits
  517,883
  516,357
  410,937
  105,420
  -
  Repurchase Agreements
  17,407
  17,407
  17,407
  -
  -
  FHLBP advances
  20,000
  21,803
  -
  21,803
  -
  Junior subordinated debentures and other
  9,857
  10,478
  -
  -
  10,478
  borrowings
  Accrued interest payable
  371
  371
  371
  -
  -
  Off-balance sheet instruments
  -
  -
  -
  -
  -
  23
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  December 31, 2011
  Estimated
  Carrying
  Fair
  (Dollars in thousands)
  Amount
  Value
  Financial assets
  Cash and cash equivalents
  $
  32,877
  $
  32,877
  AFS investment securities
  107,530
  107,530
  HTM investment securities
  36,427
  37,681
  Restricted stock
  3,625
  3,625
  Loans and leases, net of allowance
  397,520
  395,320
  Accrued interest receivable
  2,536
  2,536
  Financial liabilities
  Deposits
  497,545
  490,681
  Borrowings
  44,368
  47,094
  Junior subordinated debentures
  9,279
  8,481
  Accrued interest payable
  444
  444
  Off-balance sheet instruments
  -
  -
  The specific estimation methods and assumptions used can have a substantial impact on the resulting fair values of financial instruments. Following is a brief summary of the significant assumptions, methods, and estimates used in estimating fair value.
  Limitations
  Fair value estimates are made at a specific point in time, based on relevant market information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time DNB's entire holdings of a particular financial instrument. Because no market exists for a significant portion of DNB's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
  Cash and Cash Equivalents, Accrued Interest Receivable and Accrued Interest Payable
  The carrying amounts for short-term investments (cash and cash equivalents) and accrued interest receivable and payable approximate fair value.
  24
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  Investment Securities
  The fair value of investment securities are determined by an independent third party ("preparer"). The preparer's evaluations are based on market data. They utilize evaluated pricing models that vary by asset and incorporate available trade, bid and other market information. For securities that do not trade on a daily basis, their evaluated pricing applications apply available information such as benchmarking and matrix pricing. The market inputs normally sought in the evaluation of securities include benchmark yields, reported trades, broker/dealer quotes (only obtained from market makers or broker/dealers recognized as market participants), issuer spreads, two-sided markets, benchmark securities, bid, offers and reference data. For certain securities additional inputs may be used or some market inputs may not be applicable. Inputs are prioritized differently on any given day based on market conditions.
  U.S. Government agencies are evaluated and priced using multi
  ‑dimensional relational models and option adjusted spreads. State and municipal securities are evaluated on a series of matrices including reported trades and material event notices. Mortgage backed securities are evaluated using matrix correlation to treasury or floating index benchmarks, prepayment speeds, monthly payment information and other benchmarks. Other investments are evaluated using a broker
  ‑ quote based application, including quotes from issuers. The carrying amount of non-readily marketable equity securities approximates liquidation value.
  Restricted Stock
  The carrying amount of restricted investment in Federal Home Loan Bank stock, Federal Reserve stock and ACBB stock approximates fair value, and considers the limited marketability of such securities.
  Loans
  Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, commercial mortgages, residential mortgages, consumer and non-accrual loans. The fair value of performing loans is calculated by discounting expected cash flows using an estimated market discount rate. Expected cash flows include both contractual cash flows and prepayments of loan balances. Prepayments on consumer loans were determined using the median of estimates of securities dealers for mortgage-backed investment pools.
  The estimated discount rate considers credit and interest rate risk inherent in the loan portfolios and other factors such as liquidity premiums and incremental servicing costs to an investor. Management has made estimates of fair value discount rates that it believes to be reasonable. However, because there is no market for many of these financial instruments, management has no basis to determine whether the fair value presented would be indicative of the value negotiated in an actual sale.
  The fair value for non-accrual loans not based on fair value of collateral is derived through a discounted cash flow analysis, which includes the opportunity costs of carrying a non-performing asset. An estimated discount rate was used for these non-accrual loans, based on the probability of loss and the expected time to recovery.
  Deposits
  The fair values disclosed for demand deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts). The carrying amounts of variable-rate money market accounts, savings accounts, and interest checking accounts approximate their fair values at the reporting date. Fair values for fixed-rate CDs are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
  Federal Home Loan Bank of Pittsburgh advances
  The fair value of the FHLBP advances is obtained from the FHLB and is calculated by discounting contractual cash flows using an estimated interest rate based on the current rates available for debt of similar remaining maturities and collateral terms.
  Repurchase agreements
  Fair value approximates the carrying value of such liabilities due to their short-term nature.
  Junior subordinated debentures
  The fair value for subordinated debentures is calculated using discounted cash flows based upon current market spreads to LIBOR for debt of similar remaining maturities and collateral terms.
  Off-balance-sheet Instruments (Disclosed at Cost)
  Off-balance-sheet instruments are primarily comprised of loan commitments, which are generally priced at market at the time of funding. Fees on commitments to extend credit and stand-by letters of credit are deemed to be immaterial and these instruments are expected to be settled at face value or expire unused. It is impractical to assign any fair value to these instruments. At
  September 30
  , 2012, un-funded loan commitments totaled $
  6
  4
  .
  5
  million and stand-by letters of credit totaled $
  2
  .0
  million. At December 31, 2011, un-funded loan commitments totaled $
  57.7
  million and stand-by letters of credit totaled $
  4.0
  million.
  25
  DNB FINANCIAL CORPORATION AND SUBSIDIARY
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
  (Unaudited)
  NOTE 11:  STOCKHOLDERS' EQUITY
  On January 30, 2009, as part of the Capital Purchase Program ("CPP") of the Emergency Economic Stabilization Act of 2008 administered by the United States Department of the Treasury ("the Treasury"), DNB entered into a Letter Agreement and a Securities Purchase Agreement with the Treasury, pursuant to which the DNB issued and sold on January 30, 2009, and the Treasury purchased for cash on that date (i)
  11,750
  shares of the Corporation's Fixed Rate Cumulative Perpetual Preferred Stock, Series 2008A, par value $
  10.00
  per share, having a liquidation preference of $
  1,000
  per share ("the CPP shares"), and (ii) a ten-year warrant to purchase up to
  186,311
  shares of the DNB's common stock, $
  1.00
  par value, at an exercise price of $
  9.46
  per share, for an aggregate purchase price of $
  11,750,000
  in cash. This transaction closed on January 30, 2009. The issuance and sale of these securities was a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933. The Bank provided dividends to the Corporation in connection with the $11,750,000 of Fixed Rate Cumulative Perpetual Preferred Stock sold on January 30, 2009 as part of the CPP.
  On August 4, 2011, DNB entered into a Securities Purchase Agreement with the Secretary of the Treasury, pursuant to which the Company issued and sold to the Treasury
  13,000
  shares of its Non-Cumulative Perpetual Preferred Stock, Series 2011A ("Series 2011A Preferred Stock"), having a liquidation preference of $
  1,000
  per share for aggregate proceeds of $
  13,000,000
  .   The Securities Purchase Agreement was entered into, and the Series 2011A Preferred Stock was issued, pursuant to the Treasury's Small Business Lending Fund program ("SBLF"), a $30 billion fund established under the Small Business Jobs Act of 2010, that encourages lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion. Of the $13 million in aggregate proceeds, $
  11,879,000
  was used to repurchase all CPP shares ($
  11,750,000
  was paid in principal and $
  128,900
  in accrued, unpaid dividends related to the CPP shares) held by the Treasury as described above. The securities sold in this transaction were exempt from registration under Section 4(2) of the Securities Act of 1933, as amended, as a transaction by DNB not involving a public offering.
  The Series 2011A Preferred Stock is entitled to receive non-cumulative dividends payable quarterly, on each January 1, April 1, July 1 and October 1, beginning October 1, 2011.  The dividend rate, which is calculated on the aggregate Liquidation Amount, was initially set at
  3.874
  % per annum, and  was based upon the level of "Qualified Small Business Lending", or "QSBL" (as defined in the Securities Purchase Agreement) originated by the Company's wholly owned national bank subsidiary DNB First, N.A. (the "Bank").  The dividend rate for dividends beyond the initial period are  based upon the "Percentage Change in Qualified Lending" (as defined in the Securities Purchase Agreement) between each dividend period and the "Baseline" QSBL level.  Such dividend rate may vary from
  1
  % per annum to
  5
  % per annum for the second through tenth dividend periods depending on the volume of Qualified Small Business Lending the Bank will originate in future periods, and will be fixed at a rate between
  1
  % per annum to
  7
  % per annum and remain unchanged up to four and one-half years following the funding date (the eleventh through the first half of the nineteenth dividend periods).  Because it is not feasible to predict the volume of Qualified Small Business Lending in future periods, it is not feasible to estimate specific future dividend rates under this formula.  If the Series 2011A Preferred Stock remains outstanding for more than four-and-one-half years, the dividend rate will be fixed at
  9
  %.  Prior to that time, in general, the dividend rate decreases as the level of the Bank's Qualified Small Business Lending increases.  Such dividends are not cumulative, but the Company may only declare and pay dividends on its common stock (or any other equity securities junior to the Series 2011A Preferred Stock) if it has declared and paid dividends for the current dividend period on the Series 2011A Preferred Stock, and will be subject to other restrictions on its ability to repurchase or redeem common stock and other securities.  In addition, if (i) the Company has not timely declared and paid dividends on the Series 2011A Preferred Stock for six dividend periods or more, whether or not consecutive, and (ii) shares of Series 2011A Preferred Stock with an aggregate liquidation preference of at least $13,000,000 are still outstanding, the Treasury (or any successor holder of Series 2011A Preferred Stock) may designate two additional directors to be elected to the Company's Board of Directors. DNB paid an annual rate on the $13.0 million of Series 2011A Preferred Stock of 3.90%
  , 3.90%
  and 3.80% for the quarters ended
  September 30, 2012,
  June 30, 2012 and March 31, 2012, respectively.
  As more completely described in the Certificate of Designation, holders of the Series 2011A Preferred Stock have the right to vote as a separate class on certain matters relating to the rights of holders of Series 2011A Preferred Stock and on certain corporate transactions.  Except with respect to such matters and, if applicable, the election of the additional directors described above, the Series 2011A Preferred Stock does not have voting rights.
  The Company may redeem the shares of Series 2011A Preferred Stock, in whole or in part, at any time at a redemption price equal to the sum of the Liquidation Amount per share and the per-share amount of any unpaid dividends for the then-current period, subject to any required prior approval by the Company's primary federal banking regulator.
  On September 21, 2011, DNB entered into a letter agreement (the "Warrant Letter Agreement") with the Treasury. Pursuant to the Warrant Letter Agreement, DNB Financial Corporation repurchased from the Treasury the warrant to purchase
  186,311
  shares of DNB Financial Corporation's common stock issued to Treasury in January 2009 under CPP. DNB Financial Corporation paid a purchase price of $
  458,000
  for the warrant.
  ITEM 2 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
  FORWARD-LOOKING STATEMENTS
  DNB Financial Corp. (the "Corporation"), may from time to time make written or oral "forward-looking statements," including statements contained in the Corporation's filings with the Securities and Exchange Commission (including this Quarterly Report on Form 10-Q and the exhibits hereto and thereto), in its reports to stockholders and in other communications by the Corporation, which are made in good faith by the Corporation pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended.
  These forward-looking statements include statements with respect to the Corporation's beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions, that are subject to significant risks and uncertainties, and are subject to change based on various factors (some of which are beyond the Corporation's control).  The words "may," "could," "should," "would,""will," "believe," "anticipate," "estimate," "expect," "intend," "plan" and similar expressions are intended to identify forward-looking statements.  The following factors, among others, could cause the Corporation's financial performance to differ materially from the plans, objectives, expectations, estimates and intentions expressed in such forward-looking statements: the strength of the United States economy in general and the strength of the local economies in which the Corporation conducts operations; the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; the recent downgrade, and any future downgrades, in the credit rating of the U.S. Government and federal agencies; inflation, interest rate, market and monetary fluctuations; the timely development of and acceptance of new products and services of the Corporation and the perceived overall value of these products and services by users, including the features, pricing and quality compared to competitors' products and services; the willingness of users to substitute competitors' products and services for the Corporation's products and services; the success of the Corporation in gaining regulatory approval of its products and services, when required; the impact of changes in laws and regulations applicable to financial institutions (including laws concerning taxes, banking, securities and insurance); technological changes; acquisitions; changes in consumer spending and saving habits; the nature, extent, and timing of governmental actions and reforms, including the rules of participation for the
  Small Business Lending Fund, the implementation of Basel III
  , which may be changed unilaterally and retroactively by legislative or regulatory actions; and the success of the Corporation at managing the risks involved in the foregoing.
  The Corporation cautions that the foregoing list of important factors is not exclusive.  Readers are also cautioned not to place undue reliance on these forward-looking statements, which reflect management's analysis only as of the date of this report, even if subsequently made available by the Corporation on its website or otherwise.  The Corporation does not undertake to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Corporation to reflect events or circumstances occurring after the date of this report.
  For a complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review our filings with the Securities and Exchange Commission, including this Form 10-Q, as well as any changes in risk factors
  or other risks
  that we may identify in our quarterly or other reports filed with the SEC.
  DESCRIPTION OF DNB'S BUSINESS AND BUSINESS STRATEGY
  DNB Financial Corporation
  ("DNB" or the "Corporation")
  is a bank holding company whose bank subsidiary, DNB First, National Association (the "Bank") is a nationally chartered commercial bank with trust powers, and a member of the FDIC. DNB provides a broad range of banking services to individual and corporate customers through its thirteen community offices located throughout Chester and Delaware Counties, Pennsylvania. DNB is a community banking organization that focuses its lending and other services on businesses and consumers in the local market area. DNB funds all these activities with retail and business deposits and borrowings. Through its
  DNB First
  Wealth Management division, the Bank provides
  investment management and trust administration services to individuals and non-profit organizations
  . The Bank and its subsidiary, DNB
  Investments & Insurance
  , make
  s
  available certain non-depository
  insurance
  products and services, such as securities brokerage, mutual funds, life insurance and annuities.
  DNB earns revenues and generates cash flows by lending funds to commercial and consumer customers in its marketplace. DNB generates its largest source of interest income through its lending function. A secondary source of interest income is DNB's investment portfolio, which provides liquidity and cash flows for future lending needs.
  26
  In addition to interest earned on loans and investments, DNB earns revenues from fees it charges customers for non-lending services. These services include wealth management and trust services; brokerage and investment services; cash management services; banking and ATM services; as well as safekeeping and other depository services.
  To ensure we remain well positioned to meet the growing needs of our customers and communities and to meet the challenges of the 21st century,  we've worked to build awareness of our full-service capabilities and ability to meet the needs of a wide range of customers. This served to not only retain our existing, customer base, but to position ourselves as an attractive financial institution on which younger individuals and families can build their dreams.  To that end, DNB continues to make appropriate investments in all areas of our business, including people, technology, facilities and marketing.
  Comprehensive 5-Year Plan.
  During the second quarter of 201
  2
  , management updated the 5-year strategic plan that was designed to reposition its balance sheet and improve core earnings. Through the plan, management will endeavor to expand its loan portfolio through new originations, increased loan participations, as well as strategic loan and lease receivable purchases. Management also plans to reduce the absolute level of borrowings with cash flows from existing loans and investments as well as from new deposit growth. A discussion on DNB's Key Strategies follows below:
  •
  Focus on penetrating existing markets to maximize profitability
  •
  Grow loans and diversify the mix
  •
  Improve asset quality
  •
  Focus on profitable customer segments
  •
  Grow and diversify non-interest income, primarily in the wealth management
  line of business
  •
  Focus on reducing DNB's cost of funds by changing DNB's mix of deposits
  •
  Focus on cost containment and improving operational efficiencies
  Strategic Plan Update
  .
  During the
  nine
  months ended
  September
  30, 2012, management focused on reducing our composite cost of funds as well as strengthening DNB's net interest margin. The composite cost of funds for the
  nine
  months ended
  September
  30, 2012 was 0.
  69
  % compared to 0.86% for the same period in 2011. The net interest margin for the
  nine
  -month period ended
  September
  30, 2012 was 3.7
  8
  % compared to 3.6
  6
  % for the same period in 2011. Management continued to actively manage deposits during the first
  nine
  months of 2012 to reduce DNB's cost of funds. Time deposits
  increase
  d $1.
  7
  million to $
  106.9
  million at
  September
  30, 2012 compared to $105.2 million at December 31, 2011. Transaction and savings accounts increased $
  18.6
  million during the
  nine
  months ended
  September
  30,
  2012. Positive trends were observed for the
  nine
  months ended
  September
  30, 2012, in two key business lines that make up total non-interest income. Service charges on deposits in
  creased
  21.51
  % or $
  1
  79
  ,000 and
  fees from the sale of investments and insurance products through our third-party broker-dealer, PrimeVest Financial Services, Inc. and ongoing
  trust administration and
  direct management of investment assets for clients  increased
  17.52
  % or $
  103
  ,000 when compared to the same period in 2011. Overall, non-interest income increased $1
  7
  5,000 or
  6.32
  % to $2.
  9
  million, due primarily to a $
  1
  79
  ,000 increase in service charges on deposits, coupled with  a $
  238
  ,000 increase in gains on the sales of investments during the first
  nine
  months of 2012, compared to the same period in
  2011.
  These increases were partially offset by
  a $123,000
  decrease on gains on sale of
  Small Business Administration
  ("
  SBA
  ")
  loans
  and a $
  2
  29
  ,000 loss on the write-down of OREO
  and other
  repossessed
  assets
  .
  Non-interest expense for the
  nine
  months ended
  September
  30, 2012 showed a modest increase of 2.
  81
  % or $
  350
  ,000, compared to the same period in 2011.  Approximately
  $65,000 or
  19
  % of this increase is attributable to the purchase of assets and the  assumption of
  deposits associated with the Boothwyn branch
  acquisition
  which was completed during the second quarter of 2012.
  Management has made a concerted effort to improve the measurement and tracking of business lines and overall corporate performance levels. Improved information systems have increased DNB's ability to track key indicators and enhance corporate performance levels. Better measurement against goals and objectives and increased accountability will be integral in attaining desired loan, deposit and fee income production.
  27
  MATERIAL CHALLENGES, RISKS AND OPPORTUNITIES
  The following is a summary of material challenges, risks and opportunities DNB has faced during the
  nine
  -month period ended
  September
  30
  , 2012
  :
  Interest Rate Risk Management.
  Interest rate risk is the exposure to adverse changes in net interest income due to changes in interest rates. DNB considers interest rate risk the predominant risk in terms of its potential impact on earnings.  Interest rate risk can occur for any one or more of the following reasons: (a) assets and liabilities may mature or re-price at different times; (b) short-term or long-term market rates may change by different amounts; or (c) the remaining maturity of various assets or liabilities may shorten or lengthen as interest rates change.
  The principal objective of the Bank's interest rate risk management is to evaluate the interest rate risk included in certain on and off-balance sheet accounts, determine the level of risk appropriate given the Bank's business strategy, operating environment, capital and liquidity requirements and performance objectives, and manage the risk consistent with management's approved guidelines. Through such management, DNB seeks to reduce the vulnerability of its operations to changes in interest rates. The Bank's Asset Liability Committee (the "ALCO") is responsible for reviewing the Bank's asset/liability policies and interest rate risk position and making decisions involving asset liability considerations. The ALCO meets on a monthly basis and reports trends and the Bank's interest rate risk position to the Board of Directors.  The extent of the movement of interest rates is an uncertainty that could have a negative impact on the earnings of the Bank.
  The largest component of DNB's total income is net interest income, and the majority of DNB's financial instruments are comprised of interest rate-sensitive assets and liabilities with various terms and maturities.  The primary objective of management is to maximize net interest income while minimizing interest rate risk.  Interest rate risk is derived from timing differences in the re-pricing of assets and liabilities, loan prepayments, deposit withdrawals, and differences in lending and funding rates.  The ALCO actively seeks to monitor and control the mix of in
  terest rate-sensitive assets and interest rate-sensitive
  liabilities. One measure of interest rate risk is net interest income simulation analysis.  The ALCO utilizes simulation analysis, whereby the model estimates the variance in net interest income with a change in interest rates of plus or minus 200 and 300 basis points in addition to four yield curve twists over a twelve-month period
  .
  Liquidity and Market Risk Management
  Liquidity is the ability to meet current and future financial obligations. The Bank further defines liquidity as the ability to respond to deposit outflows as well as maintain flexibility to take advantage of lending and investment opportunities. The Bank's primary sources of funds are operating earnings, deposits, repurchase agreements, principal and interest payments on loans, proceeds from loan sales, principal and interest payments on mortgage backed securities, sales of investment securities, and advances from the FHLB. The Bank uses the funds generated to support its lending and investment activities as well as any other demands for liquidity such as deposit outflows. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows, mortgage prepayments, loan and security sales and the exercise of call features are greatly influenced by general interest rates, economic conditions and competition.
  The objective of DNB's asset/liability management function is to maintain consistent growth in net interest income within DNB's policy limits. This objective is accomplished through the management of liquidity and interest rate risk, as well as customer offerings of various loan and deposit products. DNB maintains adequate liquidity to meet daily funding requirements, anticipated deposit withdrawals, or asset opportunities in a timely manner. Liquidity is also necessary to meet obligations during unusual, extraordinary or adverse operating circumstances, while avoiding a significant loss or cost. DNB's foundation for liquidity is a stable deposit base as well as a marketable investment portfolio that provides cash flow through regular maturities or that can be used for collateral to secure funding in an emergency. As part of its liquidity management, DNB maintains assets, which comprise its primary liquidity (Federal funds sold, investments and cash and due from banks, less pledged securities).
  Credit Risk Management.
  DNB defines credit risk as the risk of default by a customer or counter-party.  The objective of DNB's credit risk management strategy is to quantify and manage credit risk on an aggregate portfolio basis as well as to limit the risk of loss resulting from an individual customer default.  Credit risk is managed through a combination of underwriting, documentation and collection standards.  DNB's credit risk management strategy calls for regular credit examinations and quarterly management reviews of large credit exposures and credits that are experiencing credit quality deterioration.  DNB's loan review procedures provide assessments of the quality of underwriting, documentation, risk grading and charge-off procedures, as well as an assessment of the allowance for credit loss reserve analysis process.
  28
  Competition
  In addition to the challenges related to the interest rate environment, community banks in Chester and Delaware Counties have been experiencing increased competition from large regional and international banks entering DNB's marketplace through mergers and acquisitions. Competition for loans and deposits may negatively affect DNB's net interest margin. To compensate for the increased competition, DNB, along with other area community banks, has aggressively sought and marketed customers who have been disenfranchised by these mergers. To attract these customers, DNB has introduced new deposit products, such as Mobile Banking, Choice Checking, Credit Cards as well as Executive and employee packages. In addition, DNB has introduced Remote Capture to our commercial customers to expedite their collection of funds.
  Deposit Insurance Assessments.
  The deposits of the Bank are insured by the FDIC up to the limits set forth under applicable law and are subject to deposit insurance premium assessments. The FDIC imposes a risk based deposit premium assessment system, under which the amount of FDIC assessments paid by an individual insured depository institution, such as the Bank, is based on the level of risk incurred in its activities. The FDIC places a depository institution in one of four risk categories determined by reference to its capital levels and supervisory ratings. In addition, in the case of those institutions in the lowest risk category, the FDIC further determines its assessment rates based on certain specified financial ratios. Pursuant to the Federal Deposit Insurance Act, the FDIC has authority and the responsibility to establish deposit insurance assessments at rates sufficient to maintain the designated reserve ratio of the Deposit Insurance Fund at a level between 1.15% and 1.5% of estimated insured deposits, and to take action to restore the designated reserve ratio to at least 1.15% of estimated insured deposits when it falls below that level. As of June 30, 2008, the designated reserve ratio fell below 1.15%, to 1.01%. On October 7, 2008, the FDIC established a restoration plan which it has updated periodically since then to respond to deteriorating economic conditions. Conditions in the banking industry have continued to deteriorate through 2008 and 2009. According to the FDIC's Quarterly Banking Profile for the Fourth Quarter 2009, as of December 30, 2009 the designated reserve ratio had fallen to (0.39%), down from (0.16%) on September 30, 2009, and 0.36% as of December 31, 2008. The FDIC reports that the December 31, 2009 reserve ratio is the lowest on record for a combined bank and thrift insurance fund. In response to the declining reserve ratio, the FDIC took a series of extraordinary deposit insurance assessment actions during 2009.
  Effective as of April 1, 2011, the FDIC adopted changes to its base and risk-based deposit insurance rates. Pursuant to the new rules, a bank's annual assessment base rates were as follows, depending on the bank's risk category:
  Initial and Total Base Assessment Rates*
  Risk Category
  Risk Category I
  Risk Category II
  Risk Category III
  Risk Category IV
  Large and Highly Complex Institutions
  Initial base assessment rate
  5-9
  14
  23
  35
  5-35
  Unsecured debt adjustment**
  (4.5)-0
  (5)-0
  (5)-0
  (5)-0
  (5)-0
  Brokered deposit adjustment
  —
  0-10
  0-10
  0-10
  0-10
  TOTAL BASE ASSESMENT RATE
  2.5-9
  9-24
  18-33
  30-45
  2.5-45
  *Total base assessment rates do not include the depository institution debt adjustment.
  **The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50 percent of an insured depository institution's initial base assessment rate; thus for example, an insured depository institution with an initial base assessment rate of 5 basis points will have a maximum unsecured debt adjustment of 2.5 basis points and cannot have a total base assessment rate lower than 2.5 basis points.
  On November 12, 2009, the FDIC adopted a final rule to require insured institutions to prepay their estimated quarterly risk-based assessments for the fourth quarter of 2009, and for all of 2010, 2011, and 2012. The prepaid assessment was collected on December 30, 2009, along with the institution's regular quarterly risk-based deposit insurance assessment for the third quarter of 2009. For purposes of calculating the prepaid assessment, each institution's assessment rate was its total base assessment rate in effect on September 30, 2009. In calculating the prepayment attributable to 2011 and thereafter, it is calculated using the September 29, 2009 increase in 2011 base assessment rates. In addition, future deposit growth was reflected in the prepayment by assuming that an institution's third quarter 2009 assessment base would be increased quarterly at a 5 percent annual growth rate through the end of 2012. The FDIC began to draw down institutions' prepaid assessments on March 30, 2010, representing payment for the regular quarterly risk-based assessment for the fourth quarter of 2009. In announcing these initiatives, the FDIC stated that, while the prepaid assessment would not immediately affect bank earnings, each institution would record the entire amount of its prepaid assessment as a prepaid expense asset as of December 30, 2009, the date the payment was made and, as of December 31, 2009 and each quarter thereafter, record an expense or charge to earnings for its regular quarterly assessment and an offsetting credit to the prepaid assessment until the asset is exhausted. Once the asset is exhausted, institutions would resume paying and accounting for quarterly
  29
  deposit insurance assessments as they currently do. The total amount of the Bank's deposit insurance assessment prepayment was $3.1 million.
  The Dodd-Frank Wall Street Reform and Consumer Protection Act, or Dodd-Frank Act, that was enacted by Congress on July 15, 2010, and was signed into law by President Obama on July 21, 2010, enacted a number of changes to the federal deposit insurance regime that will affect the deposit insurance assessments the Bank will be obligated to pay in the future.  For example:
  -
  The law permanently raises the federal deposit insurance limit to $250,000 per account ownership.  This change may have the effect of increasing losses to the FDIC insurance fund on future failures of other insured depository institutions.
  -
  The new law makes deposit insurance coverage unlimited in amount for non-interest bearing transaction accounts until December 31, 2012.  This change may also have the effect of increasing losses to the FDIC insurance fund on future failures of other insured depository institutions.
  -
  The law increases the insurance fund's minimum designated reserve ratio from 1.15 to 1.35, and removes the current 1.50 cap on the reserve ratio. The law gives the FDIC discretion to suspend or limit the declaration or payment of dividends even when the reserve ratio exceeds the minimum designated reserve ratio.
  The Dodd-Frank Act expands the base for FDIC insurance assessments, requiring that assessments be based on the average consolidated total assets less tangible equity capital of a financial institution. On February 7, 2011, the FDIC approved a final rule to implement the foregoing provision of the Dodd-Frank Act and to make other changes to the deposit insurance assessment system applicable to insured depository institutions with over $10 billion in assets. Among other things, the final rule eliminates risk categories and the use of long-term debt issuer ratings in calculating risk-based assessments, and instead implements a scorecard method, combining CAMELS ratings and certain forward-looking financial measures to assess the risk an institution poses to the Deposit Insurance Fund. The final rule also revises the assessment rate schedule for large institutions and highly complex institutions to provide assessments ranging from 2.5 to 45 basis points.
  Each of these changes may increase the rate of FDIC insurance assessments to maintain or replenish the FDIC's deposit insurance fund.  This could, in turn, raise the Bank's future deposit insurance assessment costs.  On the other hand, the law changes the deposit insurance assessment base so that it will generally be equal to consolidated assets less tangible equity.  This change of the assessment base from an emphasis on deposits to an emphasis on assets is generally considered likely to cause larger banking organizations to pay a disproportionately higher portion of future deposit insurance assessments, which may, correspondingly, lower the level of deposit insurance assessments that smaller community banks such as the Bank may otherwise have to pay in the future. On December 14, 2010, the FDIC issued a final rule setting the insurance fund's designated reserve ratio at 2, which is in excess of the 1.35 minimum designated reserve ratio established by the Dodd-Frank Act. While it is likely that the law will increase the Bank's future deposit insurance assessment costs, the specific amount by which the law's combined changes will affect the Bank's deposit insurance assessment costs is hard to predict, particularly because the law gives the FDIC enhanced discretion to set assessment rate levels.
  In addition to deposit insurance assessments, banks are subject to assessments to pay the interest on Financing Corporation bonds. The Financing Corporation was created by Congress to issue bonds to finance the resolution of failed thrift institutions. The FDIC sets the Financing Corporation assessment rate every quarter. The current annual Financing Corporation assessment rate is 66 basis points on the deposit insurance assessment base, as defined above, which we anticipate will result in an aggregate estimated FICO assessment payment by the Bank of $
  36
  ,000 in 2012
  .
  Material Trends and Uncertainties.
  The global and U.S. economies are experiencing significantly reduced business activity as a result of disruptions in the financial system during recent years. The United States, Europe and many other countries across the globe are struggling with too much debt and weaker streams of revenues as a result of recessionary pressures and high unemployment. Overall economic growth continues to be slow and national and regional unemployment rates remain at elevated levels. The risks associated with our business remain acute in periods of slow economic growth and high unemployment. Moreover, financial institutions continue to be affected by a sluggish real estate market and constrained financial markets. While we are continuing to take steps to decrease and limit our exposure to problem loans, we nonetheless retain direct exposure to the residential and commercial real estate markets, and we are affected by these events. Dramatic declines in the housing market, with falling home prices and increasing foreclosures and unemployment, have resulted in significant write-downs of asset values by financial institutions, including government-sponsored entities and major commercial and investment banks. The October 10, 2012 Beige Book indicates that aggregate business activity in the Third District has continued to improve, growing modestly since the August 29, 2012 Beige Book. A couple of sectors grew faster than the average, while a few declined slightly. Manufacturing activity declined somewhat, although a slight increase in new orders may presage a turnabout. Retail sales growth has continued at a modest pace since the August 29, 2012 Beige Book, while auto sales have continued to increase at a strong pace. Lending volumes at Third District banks have continued to grow modestly, and credit quality has continued to improve. Sales of new homes have slowed since the August 29, 2012  Beige Book,
  30
  while brokers report strong growth in sales of existing homes (from previously low levels). Commercial real estate markets have seen less leasing activity and continued weak demand for new construction. Service-sector firms reported mixed results with stronger tourist visitation, a slowing defense sector, and modest growth across most other service sectors. Price pressures have changed little since the August 29, 2012  Beige Book.
  The overall outlook appears somewhat more optimistic relative to the views expressed in the August 29, 2012 Beige Book, as businesses are beginning to look beyond the pending election and looming fiscal cliff. Expectations among manufacturers has improved significantly for overall activity over the next six months, while plans for capital spending and hiring were mixed. Auto dealers and real estate firms are more optimistic, as their positive trends gain traction. Holiday sales expectations are strong among many general retailers.
  As a result of the recession, retail customers may delay borrowing from DNB as unemployment remains high and availability to borrow against equity in primary residences diminishes. In addition, many commercial customers have postponed their capital purchases until they see signs of an improving economy and clear direction from the legislative branch of the government.  Locally, residential builders reported a drop-off in traffic and slower sales in August and early September – a disappointing conclusion to their primary sales season. Builders lament that people are choosing to rent rather than buy even when local rents exceed the total cost of owning a home. Residential brokers reported somewhat stronger year-over-year sales growth in August than expressed in the August 29, 2012  Beige Book and continued strength into September. Inventory levels of real estate listings remain at lower levels than one year ago with no signs of a large emerging shadow inventory. Multiple bids are reported for homes priced between $250,000 and $400,000; more very high-end listings are beginning to appear and test the market. Builders and brokers remain cautiously optimistic.
  The October 10, 2012 Beige book reports that the Third District business contacts, many of which have business models similar to DNB's small business clients, are  somewhat optimistic relative to views expressed in the August 29, 2012 Beige Book. Manufacturers have continued to report overall declines in shipments, but a slight increase in new orders. Retailers reported little change between the modest year-over-year sales growth in August with July. Third District service-sector firms have reported mixed growth since the August 29, 2012 Beige Book.  In general, business plans reflect caution, and businesses are reported to  have resumed a more realistic perspective on the limitations of the current recovery and the risks to its longevity.
  Although DNB's earnings have been impacted by the general economic conditions, the impact has not been as severe as it has been in many parts of the nation, largely due to a relatively healthier economic climate in the Third Federal Reserve District and specifically Chester County.  DNB's franchise spans both Chester and Delaware counties in southeastern Pennsylvania. The majority of loans have been made to businesses and individuals in Chester County and the majority of deposits are from businesses and individuals within the County.  According to census data, Chester County's population has grown at approximately 15%, compared to 13% for the nation and 3% for the Commonwealth of Pennsylvania. The median household income in Chester County is $72,288 and the County ranks 14th nationally in disposable income. The  unemployment rate for Chester County stood at 5.7% as of May 2012, compared to a Pennsylvania unemployment rate of 7.3% and a national unemployment rate of 7.9%. Traditionally, the unemployment rate has been the lowest in the surrounding five-county area and it ranks among the lowest unemployment rates in the Commonwealth. Chester County has a civilian labor force of 266,100, with manufacturing jobs representing 23.1% of the workforce and retail shopping comprising 13.8% of the total employment. During the last few years, the County has been able to keep most of its major employers, however some of them have downsized in order to remain competitive. Chester County is home to several Fortune 500 companies. Thirteen Chester County employers have 1,000 employees or more. Of these 13 companies, two companies have more than 5,000 employees.
  As the U.S. and local economy moves through a period of reduced business activity and historically high unemployment rates, delinquencies will rise as the value of homes decline and DNB's borrowers experience financial difficulty due to corporate downsizing, reduced sales, or other negative events which may impact their ability to meet their contractual loan payments. As a result growth in the loan portfolio and continued negative trends in the economy and their impact on our borrowers' ability to repay their loans, DNB made a $
  3
  7
  5,000
  and a $
  1.3 million
  provision for credit losses during the
  three
  and
  nine
  months end
  ed
  September
  30
  , 2012
  .
  Regulatory Initiatives Related to Our Industry
  .
  The federal government is considering a variety of reforms related to banking and the financial industry including, without limitation, the Dodd-Frank Act.  The Dodd-Frank Act is intended to promote financial stability in the U.S., reduce the risk of bailouts and protect against abusive financial services practices by improving accountability and transparency in the financial system and ending "
  too
  big to fail" institutions.  It is the broadest overhaul of the U.S. financial system since the Great Depression, and much of its impact will be determined by the scope and substance of many regulations that will need to be adopted by various regulatory agencies to implement its provisions.  For these reasons, the overall impact on DNB and its subsidiaries
  remains
  unknown at this time.
  31
  The Dodd-Frank Act delegates to various federal agencies
  , including the Consumer Financial Protection Bureau,
  the task of implementing its many provisions through regulation. Hundreds of new federal regulations, studies and reports addressing all of the major areas of the new law, including the regulation of banks and their holding companies, will be required, ensuring that federal rules and policies in this area will be further developing for months and years to come. Based on the provisions of the Dodd-Frank Act and anticipated implementing regulations, it is highly likely that banks and thrifts as well as their holding companies will be subject to significantly increased regulation and compliance obligations
  which may result in, among other things, the Bank reducing fees to consumers, implementing additional disclosure requirements, or eliminating certain products altogether.
  The Dodd-Frank Act could require us to make material expenditures, in particular personnel training costs and additional compliance expenses, or otherwise adversely affect our business or financial results.  It could also require us to change certain of our
  business practices, adversely affect our ability to pursue business opportunities we might otherwise consider engaging in, cause business disruptions and/or have other impacts that are as-of-yet unknown to DNB and the Bank.  Failure to comply with these laws or regulations, even if inadvertent, could result in negative publicity, fines or additional licensing expenses, any of which could have an adverse effect on our cash flow and results of operations.  For example, a provision of the Dodd-Frank Act is intended to preclude bank holding companies from treating future trust preferred securities issuances as Tier 1 capital for regulatory capital adequacy purposes.  This provision may narrow the number of possible capital raising opportunities DNB and other bank holding companies might have in the future.
  Further, the new rules issued by the
  Consumer Financial Protection Bureau may materially affect the methods and costs of compliance by the Bank in connection with future consumer-related transactions.
  New Proposed Capital Rules.
  On June 7, 2012, the Federal Reserve proposed rules that would substantially amend the regulatory risk-based capital rules applicable to the Corporation and the Bank. The FDIC and the OCC subsequently proposed the rules on June 12, 2012. The proposed rules implement the "Basel III" regulatory capital reforms and changes required by the Dodd-Frank Act. "Basel III" refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009, the rules text released in December 2010, and loss absorbency rules issued in January 2011, which include significant changes to bank capital, leverage and liquidity requirements. The proposed rules
  we
  re
  subject to a comment period
  that expired on
  October 22
  , 2012.
  The proposed rules include new risk-based capital and leverage ratios, which would be phased in from 2013 to 2019, and would refine the definition of what constitutes "capital" for purposes of calculating those ratios. The proposed new minimum capital level requirements applicable to the Corporation and the Bank under the proposals would be: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The proposed rules would also establish a "capital conservation buffer" of 2.5% above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital and would result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0%, (ii) a Tier 1 capital ratio of 8.5%, and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement would be phased in beginning in January 2016 at 0.625% of risk-weighted assets and would increase by that amount each year until fully implemented in January 2019. An institution would be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations would establish a maximum percentage of eligible retained income that could be utilized for such actions.
  Basel III provided discretion for regulators to impose an additional buffer, the "countercyclical buffer," of up to 2.5% of common equity Tier 1 capital to take into account the macro-financial environment and periods of excessive credit growth. However, the proposed rules permit the countercyclical buffer to be applied only to "advanced approach banks" ( i.e. , banks with $250 billion or more in total assets or $10 billion or more in total foreign exposures), which currently excludes the Corporation and the Bank. The proposed rules also implement revisions and clarifications consistent with Basel III regarding the various components of Tier 1 capital, including common equity, unrealized gains and losses, as well as certain instruments that will no longer qualify as Tier 1 capital, some of which would be phased out over time.
  The federal bank regulatory agencies also proposed revisions to the prompt corrective action framework, which is designed to place restrictions on insured depository institutions, including the Bank, if their capital levels begin to show signs of weakness. These revisions would take effect January 1, 2015. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions would be required to meet the following increased capital level requirements in order to qualify as "well capitalized:" (i) a new common equity Tier 1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 5% (increased from 4%).
  The proposed rules set forth certain changes for the calculation of risk-weighted assets, which we would be required to utilize beginning January 1, 2015. The standardized approach proposed rule utilizes an increased number of credit risk exposure categories and risk weights, and also addresses: (i) a proposed alternative standard of creditworthiness consistent with Section 939A of the Dodd-Frank Act; (ii) revisions to recognition of credit risk mitigation; (iii) rules for risk weighting of equity exposures and past due loans;
  32
  (iv) revised capital treatment for derivatives and repo-style transactions; and (v) disclosure requirements for top-tier banking organizations with $50 billion or more in total assets that are not subject to the "advance approach rules" that apply to banks with greater than $250 billion in consolidated assets.
  Other Material Challenges, Risks and Opportunities.
  As a financial institution, DNB's earnings are significantly affected by general business and economic conditions.  These conditions include short-term and long-term interest rates, inflation, monetary supply, fluctuations in both debt and equity capital markets, and the strength of the United States economy and local
  economies
  in which we operate.  As mentioned above in Material Trends and Uncertainties, the economic downturn, increased unemployment, and other events negatively impact household and/or corporate incomes and could decrease the demand for DNB's loan and non-loan products and services and increase the number of customers who fail to pay interest or principal on their loans.  Geopolitical conditions can also affect DNB's earnings.  Acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and our military conflicts including the war in Afghanistan and Iraq, could impact business conditions in the United States.
  CRITICAL ACCOUNTING POLICIES
  The following discussion and analysis of financial condition and results of operations is based upon our consolidated financial statements, which have been prepared in accordance with United States generally accepted accounting principals. Generally accepted accounting principles are complex and require management to apply significant judgment to various accounting, reporting and disclosure matters. Management must use assumptions and estimates to apply these principles where actual measurement is not possible or practical. Actual results may differ from these estimates under different assumptions or conditions.
  In management's opinion, the most critical accounting policies and estimates impacting DNB's consolidated financial statements are listed below.  These policies are critical because they are highly dependent upon subjective or complex judgments, assumptions and estimates.  Changes in such estimates may have a significant impact on the financial statements.  For a complete discussion of DNB's significant accounting policies, see the footnotes to the Consolidated Financial Statements included in DNB's 10-K for the year ended December 31, 20
  11
  .
  Determination of the allowance for credit losses
  .
  Credit loss allowance policies involve significant judgments, estimates and assumptions by management which may have a material impact on the carrying value of net loans and leases and, potentially, on the net income recognized by DNB from period to period.  The allowance for credit losses is based on management's ongoing evaluation of the loan and lease portfolio and reflects an amount considered by management to be its best estimate of the amount necessary to absorb known and inherent losses in the portfolio.  Management considers a variety of factors when establishing the allowance, such as the impact of current economic conditions, diversification of the portfolios, delinquency statistics, results of loan review and related classifications, and historic loss rates.  In addition, certain individual loans which management has identified as problematic are specifically provided for, based upon an evaluation of the borrower's perceived ability to pay, the estimated adequacy of the underlying collateral and other relevant factors.  In addition, regulatory authorities, as an integral part of their examinations, periodically review the allowance for credit losses.  They may require additions to the allowance based upon their judgments about information available to them at the time of examination.  Although provisions have been established and segmented by type of loan, based upon management's assessment of their differing inherent loss characteristics, the entire allowance for credit losses is available to absorb further losses in any category.
  Management uses significant estimates to determine the allowance for credit losses.  Because the allowance for credit losses is dependent, to a great extent, on conditions that may be beyond DNB's control, management's estimate of the amount necessary to absorb credit losses and actual credit losses could differ.  DNB's current judgment is that the allowance for credit losses remains appropriate at
  September
  30
  , 201
  2
  .  For a description of DNB's accounting policies in connection with its allowance for credit losses, see, "Allowance for Credit Losses", in Management's Discussion and Analysis.
  Realization of deferred income tax items.
  Estimates of deferred tax assets and deferred tax liabilities make up the asset category titled "net deferred taxes".  These estimates involve significant judgments and assumptions by management, which may have a material impact on the carrying value of net deferred tax assets for financial reporting purposes.  Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, as well as operating loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.  A valuation allowance would be established against deferred tax assets when in the judgment of management, it is more likely than not that such deferred tax assets will not become available.  For a more detailed description of these items, refer to Footnote
  10
  (Federal Income Taxes) to DNB's consolidated financial statements for
  the year ended
  December 31, 2011
  .
  33
  The Footnotes to DNB's most recent Consolidated Financial Statements as set forth in DNB's Annual Report 10-K identify other significant accounting policies used in the development and presentation of its financial statements.  This discussion and analysis, the significant accounting policies, and other financial statement disclosures identify and address key variables and other qualitative and quantitative factors that are necessary for an understanding and evaluation of DNB and its results of operations.
  FINANCIAL CONDITION
  DNB's total assets were $626.2 million at September 30, 2012 compared to $607.1 million at December 31, 2011.  The $19.1 million increase in total assets was primarily attributable to a $33.8 million increase in investment securities, offset by  a $13.9 million decrease in cash and  cash equivalents and a $1.3 million decrease in loans and leases before allowance for credit losses.
  Investment Securities.
  Investment
  securities at September 30, 2012 were $181.4 million compared to $147.6 million at December 31, 2011.
  The $33.
  8
  million increase in investment securities was primarily due to $51.
  6
  million in sales, principal pay-downs, calls and maturities, offset by the purchase of $84.
  7
  million in investment securities.
  As of June 16, 2011, DNB reclassified 3 mortgage backed securities and 2 collateralized mortgage obligations with book values (net carrying amount) of $12.5 million and $7.7 million, respectively, from available-for-sale (AFS) to held-to-maturity (HTM). Reclassifying these 5 securities to HTM will reduce the volatility and possible future negative effect on DNB's capital ratios, because HTM securities are not marked-to-market through other comprehensive income, but carried at their amortized cost basis. In addition, the 5 securities that were reclassified to HTM will continue to produce strong cash flows for DNB's operating and funding needs.  The fair value of the 3 mortgage backed securities and 2 collateralized mortgage obligations was $12.4 million and $7.7 million, respectively at June 16, 2011, the date of their reclassification. The $116,000 difference between their book value and their fair value will be amortized as an adjustment to the carrying value of the
  investment securities over the remaining lives.
  Gross Loans and Leases
  .
  DNB's loans and leases decreased $1.3 million to $402.4 million at September 30, 2012 compared to $403.7 million at December 31, 2011.  Total commercial loans increased $1.5 million, while consumer loans, residential loans and commercial leases declined $2.0 million, $603,000 and $129,000, respectively.
  Deposits
  .
  Deposits were $517.9 million at September 30, 2012 compared to $497.5 million at December 31, 2011.  Deposits increased $20.3 million or 4.09% during the nine-month period ended September 30, 2012.  Core deposits, which are comprised of demand, NOW, money markets and savings accounts, increased by $18.6 million while time deposits increased by $1.7 million.
  DNB acquired approximately $15.9 million of deposits during the three months ended June 30, 2012 when it acquired a full service
  branch
  office in Delaware County, Pennsylvania (See Note 2 regarding this Acquisition).
  Borrowings
  .
  Borrowings were $47.3 million at September 30, 2012 compared to $53.6 million at December 31, 2011.  The decrease of $6.4 million or 11.90% was primarily due to a $6.4 million decrease in repurchase agreements.
  Stockholders' Equity.
  Stockholders' equity was $5
  5
  .7 million at
  September
  30, 2012 compared to $51.1 million at December 31, 2011. The increase in stockholders' equity was primarily a result of
  year-to-date earnings of $
  3.9
  million and a $
  1.0 million
  , net-of-tax other comprehensive income adjustment for unrealized gains on the securities portfolio. These additions to stockholders equity were partially offset by $
  407
  ,000 of dividends paid on DNB's common stock and $
  283
  ,000 of dividends
  paid on DNB's Non-Cumulative Perpetual Preferred Stock, Series 2011A. (See Note
  11
  regarding DNB's participation in the Capital Purchase Program ("CPP") of the Emergency Economic Stabilization Act of 2008 and the Treasury's Small Business Lending Fund program ("SBLF"), a $30 billion fund established under the
  Small Business Jobs Act of 2010.)
  RESULTS OF OPERATIONS
  SUMMARY
  Net income for the three and nine-month periods ended September 30, 2012 was $1.4 million and $3.9 million compared to $1.3 million and $3.6 million for the same periods in 2011.  Diluted earnings per share for the three and nine-month periods ended September 30, 2012 were $.50 and $1.32 compared to $0.36 and $1.10 for the same periods in 2011.  The $
  12
  1
  ,000 increase
  in net income
  during the most recent three-month period was attributable to a $182,000 increase in net interest income before provision for credit losses, a $51,000 decrease in provision for credit losses and
  a $20,000 increase in non-interest income,
  offset by a $
  122
  ,000 increase in non-interest expense and an $
  10
  ,000 increase in income tax expense. The $320,000 increase
  in net income
  during the nine-month period was attributable to a $528,000 increase in net interest income before provision for credit losses, a $175,000 increase in non-interest income and a $3,000 decrease in provision for credit losses, offset by a $350,000 increase in non-interest expense and a $36,000 increase in income tax expense.
  34
  NET INTEREST INCOME
  DNB's earnings performance is primarily dependent upon its level of net interest income, which is the excess of interest income over interest expense.
  Interest income includes interest earned on loans, investments and federal funds sold and interest-earning cash, as well as loan fees and dividend income earned on investment securities.  Interest expense includes interest on deposits,
  Federal Home Loan Bank of Pittsburgh ("
  FHLB
  P")
  advances, repurchase agreements, Federal funds purchased and other borrowings.
  Net interest income after provision for credit losses for the three and nine-month periods ended September 30, 2012 was $5.3 million and $15.4 million, compared to $5.1 million and $14.8 million for the same periods in 2011.  Interest income for the three and nine-month periods ended September 30, 2012 was $6.6 million and $19.5 million compared to $6.7 million and $19.7 million for the same periods in 2011.  Interest expense for the three and nine-month periods ended September 30, 2012 was $921,000 and $2.9 million compared to $1.1 million and $3.6 million for the same periods in 2011. The decrease in interest expense during both periods was primarily attributable to lower rates on interest-bearing liabilities.  The composite cost of funds for the three and nine-month periods ended September 30, 2012 was .64% and .69%, compared to .79% and .86% for the same periods in 2011.  The net interest margin for the three and nine-month periods ended September 30, 2012 was 3.80% and 3.78%, compared to 3.70% and 3.66% for the same periods in 2011.
  Interest on loans and leases was $5.7 million and $16.7 million for the three and nine-month periods ended September 30, 2012, compared to $5.8 million and $17.0 million for the same periods in 2011. The average balance of loans and leases was $407.8 million with an average yield of 5.48% for the current quarter compared to $411.9 million with an average yield of 5.54% for the same period in 2011.  The average balance of loans and leases was $404.2 million with an average yield of 5.49% for the
  first
  nine-months
  of 2012
  compared to $409.1 million with an average yield of 5.56% for the same period in 2011
  Interest and dividends on investment securities was $966,000 and $2.8 million for the three and nine-month periods ended September 30, 2012, compared to $874,000 and $2.7 million for the same periods in 2011.  The average balance of investment securities was $180.5 million with a tax equivalent average yield of 2.32% for the
  third
  quarter
  of 2012
  compared to $155.1 million with tax equivalent average yield of 2.40% for the same period in 2011.  The average
  balance of investment securities was $169.0 million with tax equivalent average yield of 2.37% for the
  first
  nine-months
  of 2012
  compared to $153.5 million with tax equivalent average yield of 2.35% for the same period in 2011.
  Interest on deposits was $592,000 and $1.9 million for the three and nine-month periods ended September 30, 2012, compared to $781,000 and $2.5 million for the same
  periods in 2011.   The average balance of deposits was $519.5 million with an average rate of 0.45% for the current quarter compared to $510.9 million with an average rate of .61% for the same period in 2011.   The average balance of deposits was $508.8 million with an average rate of .49% for the nine-months ended September 30, 2012 compared to $507.4 million with an average rate of .67% for the same period in 2011.
  The decrease in rate during both periods was primarily attributable to a lower interest rate environment.
  Interest on borrowings was $
  329
  ,000 and $995,000 for the three and nine-month periods ended September 30, 2012, compared to $347,000 and $1.1 million for the same periods in 2011. The average balance of borrowings was $49.5 million with an average rate of 2.64% for the current quarter compared to $58.6 million with an average rate of 2.35% for the same period in 2011.  The average balance of borrowings was $50.8 million with an average rate of 2.61% for the nine-months ended September 30, 2012 compared to $56.2 million with an average rate of 2.54% for the same period in 2011.
  35
  PROVISION
  FOR CREDIT LOSSES
  To provide for known and inherent losses in the loan and lease portfolios, DNB maintains an allowance for credit losses. Provisions for credit losses are charged against income to increase the allowance when necessary. Loan and lease losses are charged directly against the allowance and recoveries on previously charged-off loans and leases are added to the allowance. In establishing its allowance for credit losses, management considers the size and risk exposure of each segment of the loan and lease portfolio, past loss experience, present indicators of risk such as delinquency rates, levels of non-accruals, the potential for losses in future periods, and other relevant factors. Management's evaluation of criticized and classified loans generally includes reviews of borrowers of $100,000 or greater. Consideration is also given to examinations performed by regulatory agencies, primarily the Office of the Comptroller of the Currency ("OCC").
  Management reviews and establishes the adequacy of the allowance for credit losses in accordance with U.S. generally accepted accounting principles, guidance provided by the Securities and Exchange Commission and as prescribed in OCC Bulletin 2006-47. Its methodology for assessing the appropriateness of the allowance consists of several key elements which include: specific allowances for identified impaired loans; and allowances by loan type for pooled homogenous loans. In considering national and local economic trends, we review a variety of information including Federal Reserve publications, general economic statistics, foreclosure rates and housing statistics published by third parties. We believe this improves the measure of inherent loss over a complete economic cycle and reduces the impact for qualitative adjustments. The unallocated portion of the allowance is intended to provide for probable losses not otherwise accounted for in management's other elements of its overall estimate. An unallocated component is maintained to cover uncertainties such as changes in the national and local economy, concentrations of credit, expansion into new markets and other factors that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.
  In addition, DNB reviews historical loss experience for the commercial real estate, commercial, residential real estate, home equity and consumer installment loan pools to determine a historical loss factor. The historical loss factors are then applied to the current portfolio balances to determine the required reserve percentage for each loan pool based on risk rating. Historical losses are segregated into risk-similar groups and a loss ratio is determined for each group over a three year period. The three year average loss ratio by type is then used to calculate the estimated loss based on the current balance of each group. This three year time period is appropriate given DNB's historical level of losses and, more importantly, represents the current economic environment.
  This analysis is intended to assess the potential for loss within the loan portfolio and to substantiate the adequacy of the allowance. Should the analysis indicate that the allowance is not adequate, management will recommend a provision expense be made in an amount equal to the shortfall derived. In establishing and reviewing the allowance for adequacy, emphasis has been placed on utilizing the methodology prescribed in OCC Bulletin 2006-47. Management believes that the following factors create a comprehensive system of controls in which management can monitor the quality of the loan portfolio. Consideration has been given to the following factors and variables which may influence the risk of loss within the loan portfolio:
  •
  Changes in the nature and volume of the portfolio and in the terms of loans
  ;
  •
  Changes in the volume and severity of past due loans, the volume of non-accrual loans, and the volume and severity of adversely classified or graded loans
  ;
  •
  The existence and effect of any concentrations of credit, and changes in the level of such concentrations
  ;
  •
  Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses
  ;
  •
  Changes in the experience, ability, and depth of lending management and other relevant staff
  ;
  •
  Changes in the quality of the institution's loan review system
  ;
  •
  Changes in international, national, regional, and local economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments
  ;
  •
  The effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the institution's existing portfolio
  , and
  •
  Changes in the value of underlying collateral for collateral-dependent loans
  .
  36
  Portfolio risk includes the levels and trends in delinquencies, impaired loans, changes in the loan rating matrix and trends in volume and terms of loans. Management is satisfied with the stability of the past due and non-performing loans and believes there has been no further decline in the quality of the loan portfolio due to any trend in delinquent or adversely classified loans. In determining the adequacy of the allowance, management considered the deterioration of asset quality in DNB's commercial mortgage  and residential first mortgage portfolios, which were factors contributing to the increase in the level of allowance during 2011 and
  2012
  . In addition to ordering new appraisals and creating specific reserves on impaired loans, the allowance allocation rates were increased, reflective of delinquency trends which have been caused by continued weakness in the housing markets, falling home equity values, and rising unemployment. New appraisal values we have obtained for existing loans have generally been consistent with trends indicated by Case-Schiller and other indices.
  Given the contraction in real estate values, DNB closely monitors the loan to value ratios of all classified assets and requires periodic current appraisals to monitor underlying collateral values. Management also reviews borrower, sponsorship and guarantor's financial strength along with their ability and willingness to provide financial support of their obligations on an immediate and continuing basis.
  There was a $
  3
  75
  ,000 provision made during the three months ended
  September
  30
  , 2012, compared to $426,000 during the same period in 2011.
  There was a $
  1,275
  ,000
  provision made during the
  nine
  months ended
  September
  30, 2012, compared to $
  1,278
  ,000 during the same period in 2011.
  DNB's percentage of allowance for credit losses to total loans and leases was
  1.
  6
  3%
  at
  September
  30
  , 2012 compared to 1.53% and 1.5
  5
  % at December 31, 2011 and
  September
  30
  , 2011, respectively. Net charge-offs were $
  8
  82
  ,000, $1.2 million and $
  791
  ,000
  during the
  nine
  months ended
  September
  30
  , 2012, year ended December 31, 2011 and
  nine
  months ended
  September
  30
  , 2011, respectively. The percentage of net charge-offs to total average loans and leases were
  0.2
  2
  %, 0.29% and 0.
  19
  %
  during the same respective periods. Management believes that the allowance for credit losses is adequate, but continues to monitor it along with other performance metrics including those ratios related to non-performing loans and leases. Management is not aware of any potential problem loans, which were accruing and current at
  September
  30
  , 2012, where serious doubt exists as to the ability of the borrower to comply with the present repayment terms and that would result in a significant loss to DNB.
  Total past due has increased $
  2.3
  million during the
  nine
  month period ended
  September
  30, 2012 due largely to
  one
  commercial credit totaling $
  2.4
  million, which
  is
  expected to be cured by year end 2012.
  The
  ratio of the
  allowance for loan loss
  es as a percentage of
  loans and leases
  was 1.
  6
  3% at
  September
  30, 2012 and
  1.53%
  December 31, 2011
  and
  reflects management's estimate of the level of inherent losses in the portfolio, which
  has been impacted by
  a recessionary economy, continued high unemployment, a weakened housing market and deterioration in income-producing properties.
  We typically establish a general valuation allowance on classified loans which are not impaired. In establishing the general valuation allowance, we segregate these loans by category. The categories used by DNB include "doubtful," "substandard," "special mention," "watch list" and "pass." For commercial and construction loans, the determination of the category for each loan is based on periodic reviews of each loan by our lending and credit officers as well as an independent, third-party consultant. The reviews include a consideration of such factors as recent payment history, current financial data, cash flow, financial projections, collateral evaluations, guarantor or sponsorship financial strength and current economic and business conditions. Categories for mortgage and consumer loans are determined through a similar review. Classification of a loan within a category is based on identified weaknesses that increase the credit risk of loss on the loan. Each category carries a loss factor for the allowance percentage to be assigned to the loans within that category. The allowance percentage, is determined based on inherent losses associated with each type of lending as determined through consideration of our loss history with each type of loan, trends in credit quality and collateral values, and an evaluation of current economic and business conditions.
  We establish a general allowance on non-classified loans to recognize the inherent losses associated with lending activities, but which, unlike specific allowances, have not been allocated to particular problem loans. This general valuation allowance is determined by segregating the loans by loan category and assigning allowance percentages to each category. An evaluation of each category is made to determine the need to further segregate the loans within each category by type. For our residential mortgage and consumer loan portfolios, we identify similar characteristics throughout the portfolio including credit scores, loan-to-value ratios and collateral. For our commercial real estate and construction loan portfolios, a further analysis is made in which we segregated the loans by type based on the purpose of the loan and the collateral properties securing the loan. Various risk factors for each type of loan are considered, including the impact of general economic and business conditions, collateral value trends, credit quality trends and historical loss experience.
  As of September
  30
  , 2012
  , DNB had $
  13.7
  million of non-performing assets, which included $
  9.
  8
  million of non-performing or impaired loans and $
  3.
  9
  million of OREO.
  This compares to $11.5 million of non-performaing assets at December 31, 2011 which included
  $
  7.2
  million of non-performing or impaired loans and $
  4.3
  million of OREO.
  During the three months ended September 30, 2012, DNB signed an agreement to sell one of its OREO properties for $2.6 million. Management anticipates that the sale will occur in the fourth quarter of 2012.
  Loans are reviewed for impairment in accordance with FASB ASC 310-10-35. Impaired loans can either be secured or unsecured, not including large groups of smaller balance loans that are collectively evaluated. Impairment is measured by the difference between the loan amount and the present value of the future cash flow discounted at the loan's effective
  37
  interest rate. Management measures loans for impairment by using the fair value of collateral for collateral dependent loans. In general, management reduces the amount of the appraisal by the estimated cost of acquisition and disposition of the underlying collateral and compares that adjusted value with DNB's carrying value. As part of the general allowance, DNB reserves at the rate of approximately 6% to 10% on non-performing or impaired loans. DNB establishes a specific valuation allowance on impaired loans that have a collateral shortfall, including estimated costs to sell in comparison to the carrying value of the loan. Of the $
  7
  .
  3
  million of impaired loans at
  September
  30
  , 2012
  , $
  2.1
  million had a valuation allowance of $
  8
  49
  ,000
  and $
  5
  .
  2
  million had no specific allowance above the general allowance as of
  September
  30
  , 2012
  .
  Of the $7.
  2
  million of impaired loans at
  December 31, 2011
  , $
  4.8
  million had a valuation allowance of $
  493
  ,000 and $
  2.4
  million had no specific allowance above the general allowance as of
  December 31, 2011
  .
  For those impaired loans that management determined that no specific valuation allowance was necessary, management has reviewed the appraisal for each loan and determined that there is no shortfall in the collateral. During the
  quarter
  ended
  September
  30
  , 2012
  , we recognized $
  81
  ,000
  in charge-offs related to impaired loans.  An impaired loan may not represent an expected loss.
  We typically order new third-party appraisals or collateral valuations when a loan becomes impaired or is transferred to OREO. This is done within two weeks of a loan becoming impaired or a loan moving to OREO. It generally takes two to eight weeks to receive the appraisals, depending on the type of property being appraised. We recognize any provision or related charge-off within two weeks of receiving the appraisal after the appraisal has been reviewed by DNB. We generally order a new appraisal for all impaired real estate loans having a balance of $100,000 or higher, every twelve months, unless management determines more frequent appraisals are necessary. We use updated valuations when time constraints do not permit a full appraisal process, to reflect rapidly changing market conditions. Because appraisals and updated valuations utilize historical data in reaching valuation conclusions, the appraised or updated value may or may not reflect the actual sales price that we will receive at the time of sale. Management uses the qualitative factor "Changes in the value of underlying collateral for collateral-dependent loans" to calculate any required write-down to mitigate this risk.
  Real estate appraisals typically include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property) and the cost approach. Not all appraisals utilize all three approaches to value. Depending on the nature of the collateral and market conditions, the appraiser may emphasize one approach over another in determining the fair value of collateral.
  Appraisals may also contain different estimates of value based on the level of occupancy or future improvements. "As-is" valuations represent an estimate of value based on current market conditions with no changes to the collateral's use or condition. "As-stabilized" or "as-completed" valuations assume that the collateral is improved to a stated standard or achieves its highest and best use in terms of occupancy. "As-stabilized" valuations may be subject to a present value adjustment for market conditions or the schedule for improvements.
  In connection with the valuation process, we will typically develop an exit strategy for the collateral by assessing overall market conditions, the current condition and use of the asset and its highest and best use. For most income-producing real estate, investors value most highly a stable income stream from the asset; consequently, we conduct a comparative evaluation to determine whether conducting a sale on an "as-is" basis or on an "as-stabilized" basis is most likely to produce the highest net realizable value and compare these values with the costs incurred and the holding period necessary to achieve the "as stabilized" value.
  Our estimates of the net realizable value of collateral include a deduction for the expected costs to sell the collateral or such other deductions as deemed appropriate. For most real estate collateral, we apply a seven to ten percent deduction to the value of real estate collateral to determine its expected costs to sell the asset. This estimate generally includes real estate commissions, one year of real estate taxes and miscellaneous repair and closing costs. If we receive a purchase offer that requires unbudgeted repairs, or if the expected holding period for the asset exceeds one year, then we include the additional real estate taxes and repairs or other holding costs in the expected costs to sell the collateral on a case-by-case
  basis.
  38
  Analysis of Allowance for Credit Losses
  (Dollars in thousands)
  Nine Months Ended September 30, 2012
  Year Ended December 31, 2011
  Nine Months Ended September 30, 2011
  Beginning balance
  $
  6,164
  $
  5,884
  $
  5,884
  Provisions
  1,275
  1,480
  1,278
  Loans charged off:
  Residential mortgage
  (99)
  (280)
  (238)
  Commercial
  (876)
  (768)
  (428)
  Lease financing
  (1)
  (200)
  (196)
  Consumer
  (9)
  (64)
  (32)
  Total charged off
  (985)
  (1,312)
  (894)
  Recoveries:
  Residential mortgage
  15
  79
  74
  Commercial
  26
  9
  7
  Lease financing
  36
  3
  2
  Consumer
  26
  21
  20
  Total recoveries
  103
  112
  103
  Ending balance
  $
  6,557
  $
  6,164
  $
  6,371
  Reserve for unfunded loan commitments
  $
  106
  $
  99
  $
  109
  The following table sets forth the composition of DNB's allowance for credit losses
  for the periods
  indicated.
  Composition of Allowance for Credit Losses
  (Dollars in thousands)
  Nine Months Ended
  Year Ended
  Nine Months Ended
  September 30, 2012
  December 31, 2011
  September 30, 2011
  Percent of
  Percent of
  Percent of
  Loan Type
  Loan Type
  Loan Type
  to Total
  to Total
  to Total
  Amount
  Loans
  Amount
  Loans
  Amount
  Loans
  Residential mortgage
  $
  406
  6
  %
  $
  383
  6
  %
  $
  497
  7
  %
  Commercial
  5,299
  83
  4,945
  83
  4,258
  82
  Lease financing
  3
  0
  10
  0
  26
  0
  Consumer
  261
  11
  260
  11
  446
  11
  Unallocated
  588
  0
  566
  0
  1,144
  0
  Total
  $
  6,557
  100
  %
  $
  6,164
  100
  %
  $
  6,371
  100
  %
  Reserve for unfunded loan commitments
  $
  106
  —
  $
  99
  —
  $
  109
  —
  39
  NON-INTEREST INCOME
  Non-interest income includes service charges on deposit products; fees received in connection with the sale of non-depository products and services, including fiduciary and investment advisory services offered through DNB First Wealth Management; securities brokerage products and services and insurance products and services offered through DNB Investments & Insurance; and other sources of income such as increases in the cash surrender value of Bank Owned Life Insurance ("BOLI"), net gains on sales of investment securities, SBA loans and other real estate owned ("OREO") properties. In addition, DNB receives fees for cash management, remote capture, merchant services, debit cards, safe deposit box rentals and similar activities.
  Non-interest income for the three and nine-month periods ended September 30, 2012 was $
  879
  ,000 and $2.9 million, compared to $
  859
  ,000 and $2.8 million for the same periods in 2011.  The $20,000 increase during the three months ended September 30, 2012 was mainly attributable to gains on sales of securities of $
  161
  ,000, an increase of $65,000 in
  Wealth
  Management
  revenue and an increase of $
  51
  ,000 in service charges on deposits, offset by a $
  228
  ,000
  loss on sale or write down of OREO
  and a decrease of $56,000 in gains on the sale of SBA loans.
  During the nine months ended September 30, 2012, non-interest income increased $175,000 over the same period in 2011. This increase was primarily due to gains on sales of securities of $
  240
  ,000, an increase in service charges on deposits of $179,000, and an increase of $103,000 in
  Wealth
  Management
  revenue, offset by
  a
  $
  229
  ,000
  loss on
  the
  sale or write down of OREO
  and other repossessed assets
  and a $
  123
  ,000 decrease in gains on the sales of SBA loans.
  NON-INTEREST EXPENSE
  Non-interest expense for the three and nine-month periods ended September 30, 2012 was $4.2 million and $12.8 million compared to $4.1 million and $12.5 million for the same periods in 2011.  During the three months ended September 30, 2012, total non-interest expense increased
  by $
  122
  ,000. This increase was primarily due to a $
  109
  ,000 increase in salary and employee benefits, a $
  49
  ,000 increase in professional and consulting, a $12,000 increase in PA shares tax
  , a $12,000 increase in other non-interest expense,
  and a $10,000 increase in postage.  This was offset by a $24,000 decrease in advertising and marketing, an $
  19
  ,000 decrease in occupancy, a $
  13
  ,000 decrease in furniture and equipment and a $
  10
  ,000 decrease in
  telephone and fax
  .
  During the nine months ended September 30, 2012, total non-interest expense increased $
  351
  ,000.
  The increase was primarily attributable to an increase in salary and employee benefits of $251,000, an increase in other non-interest expense of $
  160
  ,000 (mainly due to Boothwyn conversion costs),
  an increase in professional and consulting of $104,000,
  an increase in PA shares tax of $37,000, and an increase in printing and supplies of $
  20
  ,000. This was offset by a
  decrease in FDIC insurance of $81,000, a
  decrease in advertising and marketing of $
  56
  ,000, a decrease in occupancy of $
  53
  ,000 and a decrease in furniture and equipment of $28,000.
  INCOME TAXES
  Income tax expense for the three and
  nine
  -month periods ended
  September
  30, 2012 was $
  554
  ,000 and $1.
  6
  million compared to $
  54
  4
  ,000 and $1.
  6
  million for the same periods in 2011. The effective tax rate for the three and
  nine
  -month periods ended
  September
  30, 2012 was
  28.1
  % and
  28.9
  % compared to
  29.6
  % and 30.
  1
  % for the same periods in 2011.
  Income tax expense for each period differs from the amount determined at the statutory rate of 34.0% due to tax-exempt income on loans and investment securities, DNB's ownership of BOLI policies, and tax credits recognized on a low-income housing limited partnership.
  ASSET QUALITY
  Non-performing assets totaled
  $13.7 million at September 30, 2012 compared to
  $11.6 million at December 31, 2011 and $
  12.0
  million at
  September
  30, 2011. Total non-performing assets increased $
  900,000
  and $
  2.1
  million
  during the three and
  nine
  -months ended
  September
  30, 2012.
  The $
  900,000
  increase during the most recent quarter was primarily due to
  the addition of one
  90+ days and still accruing commercial
  loan,
  offset by
  one fully
  paid
  off commercial
  construction
  loan.
  Total non-performing assets increased $1.
  7
  million from
  September
  30, 2011. As a result of the increase in non-performing loans, the non-performing loans to total loans ratio increased to 2.
  44
  % at
  September
  30, 201
  2
  , up from 1.
  95
  % at
  September
  30, 2011. The non-performing assets to total assets ratio increased to 2.
  19
  % at
  September
  30, 2012 from 1.
  97
  % at
  September
  30, 2011. The allowance to non-performing loans and leases ratio decreased from
  79.3
  % at
  September
  30, 2011 to
  66.7
  % at
  September
  30, 2012.
  DNB continues to work diligently to improve asset quality by adhering to strict underwriting standards and improving lending policies and procedures. Non-performing assets have, and will continue to have, an impact on earnings; therefore management intends to continue working aggressively to reduce the level of such assets.
  40
  Non-performing assets are comprised of non-accrual loans and leases, loans and leases delinquent over ninet
  y days and still accruing,
  as well as Other Real Estate Owned ("OREO") and other repossessed assets. Non-accrual loans and leases are loans and leases for which the accrual of interest ceases when the collection of principal or interest payments is determined to be doubtful by management. It is the policy of DNB to discontinue the accrual of interest when principal or interest payments are delinquent 90 days or more (unless the loan principal and interest are determined by management to be fully secured and in the process of collection), or earlier if considered prudent. Interest received on such loans is applied to the principal balance, or may, in some instances, be recognized as income on a cash basis. A non-accrual loan or lease may be restored to accrual status when management expects to collect all contractual principal and interest due and the borrower has demonstrated a sustained period of repayment performance in accordance with the contractual terms. OREO consists of real estate acquired by foreclosure. Other repossessed assets are primarily assets from DNB's commercial lease portfolio that were repossessed. OREO and other repossessed assets are carried at the lower of cost or estimated fair value, less estimated disposition costs. Any significant change in the level of non-performing assets is dependent, to a large extent, on the economic climate within DNB's market area.
  DNB's Credit Policy Committee monitors the performance of the loan and lease portfolio to identify potential problem assets on a timely basis. Committee members meet to design, implement and review asset recovery strategies, which serve to maximize the recovery of each troubled asset. As of
  September
  30
  ,
  201
  2
  , DNB
  had $
  18.3
  million of
  loans
  classified as substandard
  , which, although performing at that date, are believed to require increased supervision and review; and may, depending on the economic environment and other factors, become non-performing assets in future periods. The amount of such loans at December 31, 20
  1
  1
  was $
  9.2
  million. The majority of the loans are secured by commercial real estate, with lesser amounts being secured by residential real estate, inventory and receivables.
  The following table sets forth those assets that are: (i) placed on non-accrual status, (ii) contractually delinquent by 90 days or more and still accruing,
  and (iii
  ) OREO as a result of foreclosure or voluntary transfer to DNB as well as other repossessed assets. In addition, the table sets forth DNB's asset quality and allowance coverage ratios at the dates indicated:
  Non-Performing Assets
  (Dollars in thousands)
  September 30, 2012
  December 31, 2011
  September 30, 2011
  Non-accrual loans:
  Residential mortgage
  $
  2,200
  $
  1,873
  $
  1,917
  Commercial mortgage
  321
  2,114
  2,114
  Commercial
  4,391
  3,233
  3,725
  Lease financing
  33
  61
  65
  Consumer
  163
  151
  210
  Total non-accrual loans
  7,108
  7,432
  8,031
  Loans 90 days past due and still accruing
  2,721
  210
  1
  Total non-performing loans
  9,829
  7,642
  8,032
  Other real estate owned & other repossessed property
  3,864
  3,974
  3,968
  Total non-performing assets
  $
  13,693
  $
  11,616
  $
  12,000
  Asset quality ratios:
  Non-performing loans to total loans
  2.44
  %
  1.89
  %
  1.95
  %
  Non-performing assets to total assets
  2.19
  1.91
  1.97
  Allowance for credit losses to:
  Total loans and leases
  1.63
  1.53
  1.55
  Non-performing loans and leases
  66.7
  80.7
  79.3
  41
  Included in the loan and lease portfolio are loans for which DNB has ceased the accrual of interest.  If contractual interest income had been recorded on non-accrual loans, interest would have been increased as shown in the followi
  n
  g table:
  Nine Months Ended
  Year Ended
  Nine Months Ended
  September 30,
  December 31,
  September 30,
  (Dollars in thousands)
  2012
  2011
  2011
  Interest income which would have been
  recorded under original terms
  $
  255
  $
  357
  $
  291
  Interest income recorded during the period
  (3)
  (36)
  (38)
  Net impact on interest income
  $
  252
  $
  321
  $
  253
  Impaired loans are measured for impairment using the fair value of the collateral for collateral dependent loans.
  Information regarding impaired
  loans is presented as follows:
  At and For the
  At and For the
  At and For the
  Nine Months Ended
  Year Ended
  Nine Months Ended
  September 30,
  December 31,
  September 30,
  (Dollars in thousands)
  2012
  2011
  2011
  Total recorded investment
  $
  7,298
  $
  7,574
  $
  8,134
  Impaired loans with a specific allowance
  2,112
  4,834
  4,992
  Impaired loans without a specific allowance
  5,186
  2,740
  3,142
  Average recorded investment
  7,838
  7,356
  7,301
  Specific allowance allocation
  849
  1,185
  355
  Total cash collected
  3,005
  1,698
  1,527
  Interest income recorded
  214
  59
  59
  LIQUIDITY AND CAPITAL RESOURCES
  Management maintains liquidity to meet depositors' needs for funds, to satisfy or fund loan commitments, and for other operating purposes.  DNB's foundation for liquidity is a stable and loyal customer deposit base, cash and cash equivalents, and a marketable investment portfolio that provides periodic cash flow through regular maturities and amortization, or that can be used as collateral to secure funding.  As part of its liquidity management, DNB maintains assets that comprise its primary liquidity, which totaled $
  104.1
  million at
  September
  30
  , 2012 compared to $84.9 million at December 31, 2011.  Primary liquidity includes investments, Federal funds sold and cash and due from banks, less pledged securities.  DNB also anticipates scheduled payments and prepayments on its loan and mortgage-backed securities portfolios.
  In addition, DNB maintains borrowing arrangements with various correspondent banks, the Federal Home Loan Bank of Pittsburgh and the Federal Reserve Bank of Philadelphia to meet short-term liquidity needs.  Through these relationships, DNB has available credit of approximately $
  196.6
  million.  As a member of the FHLB, we are eligible to borrow up to a specific credit limit which is determined by the amount of our residential mortgages, commercial mortgages and other loans that have been pledged as collateral. As of
  September
  30, 2012, our Maximum Borrowing Capacity with the FHLB was $
  179.6
  million. The total of our outstanding borrowings from the FHLB on that date was $20.0 million. At
  September
  30, 2012, we also had available $17.0 million of unsecured federal funds lines of credit with other financial institutions as well as $30.0 million of available short or long term funding through the Certificate of Deposit Account Registry Service (CDARS) program. Management believes that DNB has adequate resources to meet its short-term and long-term funding requirements.
  On August 5, 2011, Standard & Poor's downgraded the credit rating
  of the U.S. Government and federal agencies, including the FHLB, from AAA to AA+ , with a negative outlook.  These downgrades, and any future downgrades, in the credit ratings of the U.S. Government and the FHLB could likely increase the borrowing costs of the FHLB and possibly have a negative impact on its operations and long-term performance.  It is possible this could have an adverse effect on the value of the Corporation's investment in FHLB stock.
  42
  At
  September
  30, 2012, DNB had $
  64.5
  million in un-funded loan commitments.  Management anticipates these commitments will be funded by means of normal cash flows.
  Certificates of deposit greater than or equal to $100,000 scheduled to mature in one year or less from
  September
  30, 2012
  totaled $
  40
  .3 million.
  Management believes that the majority of such deposits will be reinvested with DNB and that certificates that are not renewed will be funded by a reduction in
  cash and cash equivalents
  or by pay-downs and maturities of loans and investments.
  The Corporation and the Bank have each met the definition of "well capitalized" for regulatory purposes on
  September
  30
  , 2012
  .  The Bank's capital category is determined for the purposes of applying the bank regulators' "prompt corrective action" regulations and for determining levels of deposit insurance assessments and may not constitute an accurate representation of the Corporation's or the Bank's overall financial condition or prospects. The Corporation's capital exceeds the FRB's minimum lever
  age ratio requirements for bank holding companies (see additional discussion included in Footnote 17 of DNB's 10-K).
  Under federal banking laws and regulations, DNB and the Bank are required to maintain minimum capital as determined by certain regulatory ratios. Capital adequacy for regulatory purposes, and the capital category assigned to an institution by its regulators, may be determinative of an institution's overall financial condition.
  The following table summarizes data and ratios pertaining to the Corporation and the Bank's capital structure.
  To Be Well
  Capitalized
  Under
  Prompt
  For Capital
  Corrective
  Adequacy
  Action
  Actual
  Purposes
  Provisions
  (Dollars in thousands)
  Amount
  Ratio
  Amount
  Ratio
  Amount
  Ratio
  DNB Financial Corporation
  September 30, 2012
  Total risk-based capital
  $
  70,448
  15.67
  %
  $
  35,954
  8
  %
  N/A
  N/A
  Tier 1 risk-based capital
  64,822
  14.42
  17,977
  4
  N/A
  N/A
  Tier 1 (leverage) capital
  64,822
  10.31
  25,158
  4
  N/A
  N/A
  December 31, 2011
  Total risk-based capital
  $
  66,716
  15.57
  %
  $
  34,275
  8
  %
  N/A
  N/A
  Tier 1 risk-based capital
  61,354
  14.32
  17,138
  4
  N/A
  N/A
  Tier 1 (leverage) capital
  61,354
  10.14
  24,205
  4
  N/A
  N/A
  DNB First, N.A.
  September 30, 2012
  Total risk-based capital
  $
  70,480
  15.7
  %
  $
  35,921
  8
  %
  $
  44,901
  10
  %
  Tier 1 risk-based capital
  64,854
  14.44
  17,961
  4
  26,941
  6
  Tier 1 (leverage) capital
  64,854
  10.34
  25,100
  4
  31,375
  5
  December 31, 2011
  Total risk-based capital
  $
  66,692
  15.58
  %
  $
  34,242
  8
  %
  $
  42,803
  10
  %
  Tier 1 risk-based capital
  61,330
  14.33
  17,121
  4
  25,682
  6
  Tier 1 (leverage) capital
  61,330
  10.14
  24,188
  4
  30,235
  5
  In addition, the Federal Reserve Bank (the "FRB") leverage ratio rules require bank holding companies to maintain a minimum level of "primary capital" to total assets of 5.5% and a minimum level of "total capital" to total assets of 6%.  For this purpose, (i) "primary capital" includes, among other items, common stock, certain perpetual debt instruments such as eligible Trust preferred securities, contingency and other capital reserves, and the allowance for loan losses, (ii) "total capital" includes, among other things, certain subordinated debt, and "total assets" is increased by the allowance for loan losses.  DNB's primary capital ratio and its total capital ratio are both well in excess of FRB requirements.
  REGULATORY MATTERS
  Dividends payable to the Corporation by the Bank are subject to certain regulatory limitations. Under normal circumstances, the payment of dividends in any year without regulatory permission is limited to the net profits (as defined for regulatory purposes) for that year, plus the retained net profits for the preceding two calendar years.
  43
  ITEM 3 - QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
  To measure the impacts of longer-term asset and liability mismatches beyond two years, DNB utilizes an Economic Value of Equity ("EVE") model.  The EVE model measures the potential price risk of equity to changes in interest rates and factors in the optionality included on the balance sheet.  EVE analysis is used to dynamically model the present value of asset and liability cash flows, with rates ranging up or down 200 basis points.  The EVE is likely to be different if rates change.  Results falling outside prescribed ranges
  may
  require action by management.  At
  September
  30
  , 2012
  and December 31, 20
  1
  1
  , DNB's variance in the EVE as a percentage of assets with an instantaneous and sustained parallel shift of 200 basis
  points was within its negative 3% guideline, as shown in the table below. The change as a percentage of the present value of equity with a 200 basis point
  increase at
  September
  30
  , 2012
  and
  December 31, 20
  1
  1
  was
  within
  DNB's negative 25% guideline.
  (Dollars in thousands)
  September 30, 2012
  December 31, 2011
  Change in rates
  Flat
  -200bp
  +200bp
  Flat
  -200bp
  +200bp
  EVE
  $
  61,603
  $
  59,798
  $
  52,285
  $
  54,877
  $
  51,041
  $
  49,134
  Change
  (1,805
  )
  (9,318
  )
  (3,836)
  (5,743
  )
  Change as % of assets
  (0.3%
  )
  (1.5%
  )
  -0.6%
  -0.9%
  Change as % of PV equity
  (2.9%
  )
  (15.1%
  )
  -7.0%
  -10.5%
  ITEM
  4
  - CONTROLS AND PROCEDURES
  DNB's
  Management, with the participation of our
  Chief Executive Officer and Chief Financial Officer
  ,
  have reviewed and evaluated the effectiveness of our disclosure controls and procedures (as defined in Exchange Act Rule 13a-15(e)) as of
  September
  30
  , 2012
  , the end of the period covered by this report, in accordance with the requirements of Exchange Act Rule 240.13a-15(b). Based on that evaluation,
  Management has
  concluded that DNB's current disclosure controls and procedures are effective
  .
  Management of DNB is responsible for establishing and maintaining adequate internal control over financial reporting for DNB, as such term is defined in Rule 13a-15(f) under the Securities Exchange Act of 1934.  There was no change in DNB's "internal control over financial reporting" (as such term is defined in Rule 13a-15(f) under the Exchange Act) that occurred during the fiscal quarter ended
  September
  30
  , 2012
  , that has materially affected, or is reasonably likely to materially affect, DNB's internal control over financial reporting.
  PART II - OTHER INFORMATION
  ITEM 1. LEGAL PROCEEDINGS
  None
  .
  ITEM 1A. RISK FACTORS
  Not applicable
  44
  ITEM 2. UNREGISTERED SALES OF
  EQUITY SECURITIES
  AND USE OF PROCEEDS
  There were no
  unregistered sales
  of
  equity securities
  during
  the quarter ended
  September
  30
  , 2012
  .
  The following table provides information on repurchases by DNB of its common stock in each month of the quarter ended
  September
  30
  , 2012
  :
  Total Number of
  Maximum Number
  Shares Purchased
  of Shares that May
  Total Number
  Average
  as Part of Publicly
  Yet Be Purchased
  Of Shares
  Price Paid
  Announced Plans
  Under the Plans or
  Period
  Purchased
  Per Share
  or Programs
  Programs (a)
  July 1, 2012– July 31, 2012
  —
  $
  —
  —
  $
  63,016
  August 1, 2012– August 31, 2012
  —
  —
  —
  $
  63,016
  September 1, 2012– September 30, 2012
  —
  —
  —
  $
  63,016
  Total
  —
  $
  —
  —
  On July 25, 2001, DNB authorized the buyback of up to 175,000 shares of its common stock over an indefinite period. On August 27, 2004, DNB increased the buyback from 175,000 to 325,000 shares of its common stock over an indefinite period.
  ITEM 3. DEFAULTS UPON SENIOR SECURITIES
  None.
  ITEM 4.
  MINE SAFETY DISCLOSURES
  Not Applicable.
  ITEM 5. OTHER INFORMATION
  None.
  ITEM 6. EXHIBITS
  (a) The following exhibits are filed
  or furnished
  herewith:
  Exhibit Number
  Description
  31.1
  Rule 13a-14(a)/15d-14 (a) Certification of Chief Executive Officer
  31.2
  Rule 13a-14(a)/15d-14 (a) Certification of Chief Financial Officer
  32.1
  Section 1350 Certification of Chief Executive Officer
  32.2
  Section 1350 Certification of Chief Financial Officer
  101.INS
  XBRL Instance Document
  101.SCH
  XBRL Taxonomy Extension Schema Document
  101.CAL
  XBRL Taxonomy Extension Calculation Linkbase Document
  101.LAB
  XBRL Taxonomy Extension Label Linkbase Document
  101.PRE
  XBRL Taxonomy Extension Presentation Linkbase Document
  101.DEF
  XBRL Taxonomy Extension Definition Linkbase Document
  45
  Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
  DNB FINANCIAL CORPORATION
  November
  9
  , 2012
  BY:
  /s/ William S. Latoff
  William S. Latoff, Chairman of the
  Board and Chief Executive Officer
  November
  9
  , 2012
  BY:
  /s/ Gerald F. Sopp
  Gerald F. Sopp, Chief Financial Officer and Executive Vice President
  Exhibit Number
  Exhibit Index
  Description
  31.1
  Rule 13a-14(a)/15d-14 (a) Certification of Chief Executive Officer
  31.2
  Rule 13a-14(a)/15d-14 (a) Certification of Chief Financial Officer
  32.1
  Section 1350 Certification of Chief Executive Officer
  32.2
  Section 1350 Certification of Chief Financial Officer
  101.INS
  XBRL Instance Document
  101.SCH
  XBRL Taxonomy Extension Schema Document
  101.CAL
  XBRL Taxonomy Extension Calculation Linkbase Document
  101.LAB
  XBRL Taxonomy Extension Label Linkbase Document
  101.PRE
  XBRL Taxonomy Extension Presentation Linkbase Document
  101.DEF
  XBRL Taxonomy Extension Definition Linkbase Document
  46