0001047469-11-009325.txt : 20111110 0001047469-11-009325.hdr.sgml : 20111110 20111109212557 ACCESSION NUMBER: 0001047469-11-009325 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 12 CONFORMED PERIOD OF REPORT: 20110930 FILED AS OF DATE: 20111110 DATE AS OF CHANGE: 20111109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HERITAGE COMMERCE CORP CENTRAL INDEX KEY: 0001053352 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 770469558 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-23877 FILM NUMBER: 111193037 BUSINESS ADDRESS: STREET 1: 150 ALMADEN BOULEVARD CITY: SAN JOSE STATE: CA ZIP: 95113 BUSINESS PHONE: 4089476900 MAIL ADDRESS: STREET 1: 150 ALMADEN BOULEVARD CITY: SAN JOSE STATE: CA ZIP: 95113 10-Q 1 a2206197z10-q.htm 10-Q

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TABLE OF CONTENTS

Table of Contents

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549



FORM 10-Q



(MARK ONE)    

ý

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2011

OR

o

 

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 000-23877

Heritage Commerce Corp
(Exact name of Registrant as Specified in its Charter)

California
(State or Other Jurisdiction of
Incorporation or Organization)
  77-0469558
(I.R.S. Employer
Identification No.)

150 Almaden Boulevard, San Jose, California
(Address of Principal Executive Offices)

 

95113
(Zip Code)

(408) 947-6900
(Registrant's Telephone Number, Including Area Code)

N/A
(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 ý    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 ý    NO o

        Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of "accelerated filer and large accelerated filer" in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer o   Accelerated filer o   Non-accelerated filer o
(Do not check if a
smaller reporting company)
  Smaller reporting company ý

        Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). YES o    NO ý

        The Registrant had 26,295,001 shares of Common Stock outstanding on October 28, 2011.


Table of Contents


HERITAGE COMMERCE CORP
QUARTERLY REPORT ON FORM 10-Q
TABLE OF CONTENTS

 
   
  Page No.  
Cautionary Note on Forward-Looking Statements     3  

PART I. FINANCIAL INFORMATION

 

 

 

 

Item 1.

 

Consolidated Financial Statements (unaudited):

 

 

5

 

 

 

Consolidated Balance Sheets

 

 

5

 

 

 

Consolidated Statements of Operations

 

 

6

 

 

 

Consolidated Statement of Changes in Shareholders' Equity

 

 

7

 

 

 

Consolidated Statements of Cash Flows

 

 

8

 

 

 

Notes to Consolidated Financial Statements

 

 

9

 

Item 2.

 

Management's Discussion and Analysis of Financial Condition and Results of Operations

 

 

32

 

Item 3.

 

Quantitative and Qualitative Disclosures About Market Risk

 

 

67

 

Item 4.

 

Controls and Procedures

 

 

67

 

PART II. OTHER INFORMATION

 

 

 

 

Item 1.

 

Legal Proceedings

 

 

68

 

Item 1A.

 

Risk Factors

 

 

68

 

Item 2.

 

Unregistered Sales of Equity Securities and Use of Proceeds

 

 

68

 

Item 3.

 

Defaults Upon Senior Securities

 

 

68

 

Item 4.

 

Reserved

 

 

68

 

Item 5.

 

Other Information

 

 

68

 

Item 6.

 

Exhibits

 

 

69

 

SIGNATURES

 

 

70

 

EXHIBIT INDEX

 

 

71

 

2


Table of Contents


Cautionary Note Regarding Forward-Looking Statements

        This Report on Form 10-Q contains various statements that may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Any statements about our expectations, beliefs, plans, objectives, assumptions or future events or performance are not historical facts and may be forward- looking. These forward-looking statements often can be, but are not always, identified by the use of words such as "assume," "expect," "intend," "plan," "project," "believe," "estimate," "predict," "anticipate," "may," "might," "should," "could," "goal," "potential" and similar expressions. We base these forward-looking statements on our current expectations and projections about future events, our assumptions regarding these events and our knowledge of facts at the time the statements are made. These statements include statements relating to our projected growth, anticipated future financial performance, and management's long-term performance goals, as well as statements relating to the anticipated effects on results of operations and financial condition.

        These forward-looking statements are subject to various risks and uncertainties that may be outside our control and our actual results could differ materially from our projected results. In addition, our past results of operations do not necessarily indicate our future results. The forward-looking statements could be affected by many factors, including but not limited to:

    Competition for loans and deposits and failure to attract or retain deposits and loans;

    Local, regional, and national economic conditions and events and the impact they may have on us and our customers, and our assessment of that impact on our estimates including, the allowance for loan losses;

    Risks associated with concentrations in real estate related loans;

    Changes in the level of nonperforming assets and charge-offs and other credit quality measures, and their impact on the adequacy of the Company's allowance for loan losses and the Company's provision for loan losses;

    The effects of, and changes in, trade, monetary and fiscal policies and laws, including the interest rate policies of the Federal Open Market Committee of the Federal Reserve Board;

    Stability of funding sources and continued availability of borrowings;

    The effect of changes in laws and regulations with which the Company and Heritage Bank of Commerce must comply, including any increase in FDIC insurance premiums;

    Our ability to raise capital or incur debt on reasonable terms;

    Legal limits on Heritage Bank of Commerce's ability to pay dividends to the Company;

    Future legislative or administrative changes to the U.S. Treasury Capital Purchase Program enacted under the Emergency Economic Stabilization Act of 2008;

    The impact of the Emergency Economic Stabilization Act of 2008 and the American Recovery and Reinvestment Act of 2009 and related rules and regulations on our business operations and competitiveness, including the impact of executive compensation restrictions, which may affect our ability to retain and recruit executives in competition with other firms who do not operate under those restrictions;

    The impact of the Dodd Frank Wall Street Reform and Consumer Protection Act signed by President Obama on July 21, 2010;

3


Table of Contents

    The effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters;

    Changes in the deferred tax asset valuation allowance in future quarters;

    The costs and effects of legal and regulatory developments, including resolution of legal proceedings or regulatory or other governmental inquiries, and the results of regulatory examinations or reviews;

    The ability to increase market share and control expenses; and

    Our success in managing the risks involved in the foregoing items.

        We are not able to predict all the factors that may affect future results. You should not place undue reliance on any forward looking statement, which speaks only as of the date of this Report on Form 10-K. Except as required by applicable laws or regulations, we do not undertake any obligation to update or revise any forward looking statement, whether as a result of new information, future events or otherwise.

4



Part I—FINANCIAL INFORMATION

        

ITEM 1—CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

        


HERITAGE COMMERCE CORP

CONSOLIDATED BALANCE SHEETS (Unaudited)

 
  September 30,
2011
  December 31,
2010
 
 
  (Dollars in thousands, except per share data)
 

Assets

             

Cash and due from banks

  $ 23,720   $ 7,692  

Interest-bearing deposits in other financial institutions

    52,058     64,485  
           
       

Total cash and cash equivalents

    75,778     72,177  

Securities available-for-sale, at fair value

    312,125     232,165  

Loans held-for-sale—SBA, at lower of cost or fair value, including deferred costs

    3,391     8,750  

Loans held-for-sale—other, at lower of cost or fair value, including deferred costs

    421     2,260  

Loans, including deferred costs

    776,684     846,049  

Allowance for loan losses

    (21,049 )   (25,204 )
           
       

Loans, net

    755,635     820,845  

Federal Home Loan Bank and Federal Reserve Bank stock, at cost

    9,921     9,174  

Company owned life insurance

    45,202     43,682  

Premises and equipment, net

    8,019     8,397  

Intangible assets

    2,622     3,014  

Accrued interest receivable and other assets

    39,586     45,905  
           
     

Total assets

  $ 1,252,700   $ 1,246,369  
           

Liabilities and Shareholders' Equity

             

Liabilities:

             
 

Deposits:

             
   

Demand, noninterest-bearing

  $ 344,470   $ 280,258  
   

Demand, interest-bearing

    132,987     153,917  
   

Savings and money market

    274,489     272,399  
   

Time deposits-under $100

    30,858     33,499  
   

Time deposits-$100 and over

    119,429     137,514  
   

Time deposits-CDARS

    10,216     17,864  
   

Time deposits-brokered

    93,685     98,467  
           
     

Total deposits

    1,006,134     993,918  
 

Securities sold under agreement to repurchase

        5,000  
 

Subordinated debt

    23,702     23,702  
 

Short-term borrowings

        2,445  
 

Accrued interest payable and other liabilities

    25,801     39,152  
           
     

Total liabilities

    1,055,637     1,064,217  

Shareholders' equity:

             
 

Preferred stock, no par value; 10,000,000 shares authorized

             
   

Series A fixed rate cumulative preferred stock, 40,000 shares issued and outstanding (liquidation preference of $40,250 at September 30, 2011 and $42,810 at December 31, 2010)

    39,846     39,846  
   

Discount on Series A preferred stock

    (934 )   (1,227 )
   

Series C convertible perpetual preferred stock, 21,004 shares issued and outstanding at September 30, 2011 and December 31, 2010 (liquidation preference of $21,004 at September 30, 2011 and December 31, 2010)

    19,519     19,519  
 

Common stock, no par value; 60,000,000 shares authorized; 26,295,001 shares issued and outstanding at September 30, 2011 and 26,233,001 shares issued and outstanding at December 31, 2010

    131,015     130,531  
 

Retained earnings / (Accumulated deficit)

    4,886     (1,866 )
 

Accumulated other comprehensive income (loss)

    2,731     (4,651 )
           
   

Total shareholders' equity

    197,063     182,152  
           
     

Total liabilities and shareholders' equity

  $ 1,252,700   $ 1,246,369  
           

See notes to consolidated financial statements

5



HERITAGE COMMERCE CORP

CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited)

 
  Three Months Ended
September 30,
  Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  
 
  (Dollars in thousands, except per share data)
 

Interest income:

                         
 

Loans, including fees

  $ 10,530   $ 12,041   $ 32,205   $ 37,952  
 

Securities

    2,457     1,246     6,697     3,868  
 

Interest-bearing deposits in other financial institutions

    33     74     119     100  
                   
   

Total interest income

    13,020     13,361     39,021     41,920  
                   

Interest expense:

                         
 

Deposits

    852     1,929     3,191     6,451  
 

Subordinated debt

    468     473     1,400     1,407  
 

Repurchase agreements

        97     24     341  
 

Short-term borrowings

        31     38     93  
                   
   

Total interest expense

    1,320     2,530     4,653     8,292  
                   
   

Net interest income before provision for loan losses

    11,700     10,831     34,368     33,628  

Provision for loan losses

    1,515     2,058     3,239     25,754  
                   
 

Net interest income after provision for loan losses

    10,185     8,773     31,129     7,874  
                   

Noninterest income:

                         
 

Service charges and fees on deposit accounts

    605     536     1,759     1,664  
 

Servicing income

    434     442     1,280     1,288  
 

Increase in cash surrender value of life insurance

    426     428     1,270     1,249  
 

Gain on sale of SBA loans

    268     429     1,124     707  
 

Gain on sale of securities

        1,492         1,492  
 

Loss on sale of other loans

        (887 )       (887 )
 

Other

    179     288     566     777  
                   
   

Total noninterest income

    1,912     2,728     5,999     6,290  
                   

Noninterest expense:

                         
 

Salaries and employee benefits

    5,000     5,272     15,504     16,645  
 

Occupancy and equipment

    1,012     1,081     3,082     3,023  
 

Professional fees

    707     780     2,002     3,202  
 

Low income housing investment losses

    617     214     820     572  
 

Software subscriptions

    256     261     785     747  
 

Data processing

    234     188     653     619  
 

Insurance expense

    232     241     718     765  
 

FDIC deposit insurance premiums

    167     849     1,074     3,059  
 

Other real estate owned expense

    84     49     231     537  
 

Write-down of loans held-for-sale

        1,080     29     1,080  
 

Impairment of goodwill

                43,181  
 

Other

    1,500     1,233     4,814     4,568  
                   
   

Total noninterest expense

    9,809     11,248     29,712     77,998  
                   
     

Income (loss) before income taxes

    2,288     253     7,416     (63,834 )

Income tax benefit

    (2,529 )   (398 )   (1,068 )   (6,272 )
                   
 

Net income (loss)

    4,817     651     8,484     (57,562 )

Dividends and discount accretion on preferred stock

    (532 )   (193 )   (1,732 )   (1,792 )
                   
 

Net income (loss) allocable to common shareholders

  $ 4,285   $ 458   $ 6,752   $ (59,354 )
                   

Earnings (loss) per common share:

                         
 

Basic

  $ 0.13   $ 0.01   $ 0.21   $ (4.70 )
 

Diluted

  $ 0.13   $ 0.01   $ 0.21   $ (4.70 )

See notes to consolidated financial statements

6



HERITAGE COMMERCE CORP

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited)

 
  Nine Months Ended September 30, 2011 and 2010  
 
  Preferred Stock   Common Stock   Retained
Earnings/
(Accumulated
Deficit)
  Accumulated
Other
Comprehensive
Income/ (Loss)
   
   
 
 
  Total
Shareholders'
Equity
  Comprehensive
Income/ (Loss)
 
 
  Shares   Amount   Discount   Shares   Amount  
 
  (Dollars in thousands, except share data)
 

Balance, January 1, 2010

    40,000   $ 39,846   $ (1,598 )   11,820,509   $ 80,222   $ 56,389   $ (2,554 ) $ 172,305        

Net loss

                        (57,562 )       (57,562 ) $ (57,562 )

Net change in unrealized gain/(loss) on securities available-for-sale and interest-only strips, net of reclassification adjustment and deferred income taxes

                            1,026     1,026     1,026  

Net change in liability and other postretirement obligations, net of deferred income taxes

                            202     202     202  
                                                       
 

Total comprehensive loss

                                                  $ (56,334 )
                                                       

Issuance of Series B manditorily convertible cumulative perpetual preferred stock, net of issuance costs

    53,996     50,228                         50,228        

Conversion of Series B manditorily convertible cumulative perpetual preferred stock into common stock

    (53,996 )   (50,228 )       14,398,992     50,228                    

Issuance of Series C convertible perpetual preferred stock, net of issuance costs

    21,004     19,538                         19,538        

Issuance of restricted stock awards

                13,500                        

Amortization of restricted stock award, net of forfeitures and taxes

                    42             42        

Cash dividends accrued on Series A preferred stock

                        (1,516 )       (1,516 )      

Accretion of discount on Series A preferred stock

            276             (276 )              

Stock option expense, net of fortfeitures and taxes

                    837             837        
                                         

Balance, September 30, 2010

    61,004   $ 59,384   $ (1,322 )   26,233,001   $ 131,329   $ (2,965 ) $ (1,326 ) $ 185,100        
                                         

Balance, January 1, 2011

   
61,004
 
$

59,365
 
$

(1,227

)
 
26,233,001
 
$

130,531
 
$

(1,866

)

$

(4,651

)

$

182,152
       

Net income

                        8,484         8,484   $ 8,484  

Net change in unrealized gain/(loss) on securities available-for-sale and interest-only strips, net of reclassification adjustment and deferred income taxes

                            6,732     6,732     6,732  

Net change in liability and other postretirement obligations, net of deferred income taxes

                            650     650     650  
                                                       
 

Total comprehensive income

                                                  $ 15,866  
                                                       

Issuance of restricted stock awards

                62,000                        

Amortization of restricted stock awards, net of forfeitures and taxes

                    27             27        

Cash dividends accrued on Series A preferred stock

                        (1,439 )       (1,439 )      

Accretion of discount on Series A preferred stock

            293             (293 )              

Stock option expense, net of fortfeitures and taxes

                    457             457        
                                         

Balance, September 30, 2011

    61,004   $ 59,365   $ (934 )   26,295,001   $ 131,015   $ 4,886   $ 2,731   $ 197,063        
                                         

See notes to consolidated financial statements

7



HERITAGE COMMERCE CORP

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)

 
  Nine Months Ended
September 30,
 
 
  2011   2010  
 
  (Dollars in thousands)
 

CASH FLOWS FROM OPERATING ACTIVITIES:

             

Net income (loss)

  $ 8,484   $ (57,562 )

Adjustments to reconcile net income (loss) to net cash provided by operating activities:

             

Amortization (accretion) of discounts and premiums on securities

    920     (1,295 )

Gain on sale of securities available-for-sale

        (1,492 )

Gain on sale of SBA loans

    (1,124 )   (707 )

Proceeds from sale of SBA loans originated for sale

    12,347     17,146  

Net change in SBA loans originated for sale

    (5,864 )   (17,458 )

Loss on sale of other loans

        887  

Write-downs on other loans held-for-sale

    29     1,080  

Provision for loan losses

    3,239     25,754  

Increase in cash surrender value of life insurance

    (1,270 )   (1,249 )

Depreciation and amortization

    579     600  

Amortization of other intangible assets

    392     431  

(Gains) losses on sale of foreclosed assets, net

    (67 )   546  

Stock option expense, net

    457     837  

Amortization of restricted stock awards, net

    27     42  

Goodwill impairment

        43,181  

Effect of changes in:

             
 

Accrued interest receivable and other assets

    (173 )   (2,963 )
 

Accrued interest payable and other liabilities

    (8,390 )   (1,234 )
           
   

Net cash provided by operating activities

    9,586     6,544  
           

CASH FLOWS FROM INVESTING ACTIVITIES:

             

Purchase of securities available-for-sale

    (95,841 )   (41,434 )

Maturities/paydowns/calls of securities available-for-sale

    26,432     21,164  

Proceeds from sale of securities available-for-sale

        27,245  

Net change in SBA loans previously transferred to held-for-sale

        (320 )

Net change in other loans transferred to held-for-sale

    70      

Net change in loans

    59,719     128,960  

Changes in Federal Home Loan Bank stock and other investments

    (747 )   (883 )

Purchase of premises and equipment

    (201 )   (171 )

Proceeds from sale of foreclosed assets

    2,465     11,595  

Proceeds from sale of SBA loans transferred to held-for-sale

        1,768  

Proceeds from sale of other loans transferred to held-for-sale

    1,769     10,303  

(Purchases) redemption of company owned life insurance

    (250 )   308  
           
 

Net cash (used in) provided by investing activities

    (6,584 )   158,535  
           

CASH FLOWS FROM FINANCING ACTIVITIES:

             

Net change in deposits

    12,216     (24,167 )

Issuance of preferred stock, net of offering costs

        69,766  

Payment of cash dividends—preferred stock

    (4,172 )    

Net change in securities sold under agreement to repurchase

    (5,000 )   (10,000 )

Net change in short-term borrowings

    (2,445 )   (15,685 )
           

Net cash provided by financing activities

    599     19,914  
           
 

Net increase in cash and cash equivalents

    3,601     184,993  

Cash and cash equivalents, beginning of period

    72,177     45,562  
           
 

Cash and cash equivalents, end of period

  $ 75,778   $ 230,555  
           

Supplemental disclosures of cash flow information:

             
 

Interest paid

  $ 7,054   $ 7,008  
 

Income taxes paid

    490      

Supplemental schedule of non-cash investing activity:

             
 

Due to broker for securities purchased

  $   $ 4,123  
 

Transfer from portfolio loans to loans held-for-sale

        17,079  
 

Transfer of loans held-for-sale to loan portfolio

        2,367  
 

Loans transferred to foreclosed assets

    2,252     10,593  
 

Conversion of Series B preferred stock to common stock

        50,228  

See notes to consolidated financial statements

8



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

September 30, 2011

(Unaudited)

1) Basis of Presentation

        The unaudited consolidated financial statements of Heritage Commerce Corp (the "Company") and its wholly owned subsidiary, Heritage Bank of Commerce (sometimes referred to as "HBC"), have been prepared pursuant to the rules and regulations for reporting on Form 10-Q. Accordingly, certain information and notes required by accounting principles generally accepted in the United States of America ("GAAP") for annual financial statements are not included herein. The interim statements should be read in conjunction with the consolidated financial statements and notes that were included in the Company's Form 10-K for the year ended December 31, 2010. The Company has also established the following unconsolidated subsidiary grantor trusts: Heritage Capital Trust I; Heritage Statutory Trust I; Heritage Statutory Trust II; and Heritage Commerce Corp Statutory Trust III which are Delaware Statutory business trusts formed for the exclusive purpose of issuing and selling trust preferred securities.

        HBC is a commercial bank serving customers located in Santa Clara, Alameda, and Contra Costa counties of California. No customer accounts for more than 10 percent of revenue for HBC or the Company. Management evaluates the Company's performance as a whole and does not allocate resources based on the performance of different lending or transaction activities. Accordingly, the Company and its subsidiary operate as one business segment.

        In the Company's opinion, all adjustments necessary for a fair presentation of these consolidated financial statements have been included and are of a normal and recurring nature. All intercompany transactions and balances have been eliminated.

        The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ significantly from these estimates.

        The results for the three and nine months ended September 30, 2011 are not necessarily indicative of the results expected for any subsequent period or for the entire year ending December 31, 2011.

Reclassifications

        Certain reclassifications of prior year balances have been made to conform to the current year presentation. These reclassifications had no impact on the Company's consolidated financial position, results of operations or net change in cash and cash equivalents.

Adoption of New Accounting Standards

        In July 2010, the FASB updated disclosure requirements with respect to the credit quality of financing receivables and the allowance for credit losses. According to the guidance there are two levels of detail at which credit information will be presented—the portfolio segment and class levels. The portfolio segment level is defined as the level where financing receivables are aggregated in developing a Company's systematic method for calculating its allowance for credit losses. The class level is the second level at which credit information will be presented and represents the categorization of

9



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

1) Basis of Presentation (Continued)


financing related receivables at a slightly less aggregated level than the portfolio segment level. Companies will now be required to provide the following disclosures as a result of this update: a rollforward of the allowance for credit losses at the portfolio segment level with the ending balances further categorized according to impairment method along with the balance reported in the related financing receivables at period end; additional disclosure of nonaccrual and impaired financing receivables by class as of period end; credit quality and past due/aging information by class as of period end; information surrounding the nature and extent of loan modifications and troubled-debt restructurings and their effect on the allowance for credit losses during the period; and detail of any significant purchases or sales of financing receivables during the period. The increased period-end disclosure requirements became effective for periods ending on or after December 15, 2010, with the exception of additional disclosures surrounding troubled-debt restructurings, which were deferred in December 2010 and became effective for periods ending on or after June 15, 2011. The increased disclosures for activity within a reporting period became effective for periods beginning on or after December 15, 2010. The provisions of this update expanded the Company's current disclosures with respect to credit quality in addition to the allowance for loan losses.

        In April 2011, the FASB amended existing guidance for assisting a creditor in determining whether a restructuring is a troubled debt restructuring. The amendments clarify the guidance for a creditor's evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. With regard to determining whether a concession has been granted, the updated guidance clarifies that creditors are precluded from using the effective interest method to determine whether a concession has been granted. In the absence of using the effective interest method, a creditor must now focus on other considerations such as the value of the underlying collateral, evaluation of other collateral or guarantees, the debtor's ability to access other funds at market rates, interest rate increases and whether the restructuring results in a delay in payment that is insignificant. This guidance is effective for interim and annual reporting periods beginning after June 15, 2011, and should be applied retrospectively to the beginning of the annual period of adoption. For purposes of measuring impairment on newly identified troubled debt restructurings, the amendments should be applied prospectively for the first interim or annual period beginning on or after June 15, 2011. The adoption of this guidance expanded the Company's current disclosures with respect to troubled debt restructurings.

Newly Issued But Not Yet Effective Accounting Standards

        In June 2011, the FASB issued an accounting standards update to increase the prominence of items included in Other Comprehensive Income and facilitate the convergence of U.S. GAAP with International Financial Reporting Standards ("IFRS"). The update prohibits continued presentation of Other Comprehensive Income in the statement of Stockholders' Equity. The update requires that all non-owner changes in stockholders' equity be presented in either a single continuous statement of comprehensive income or in two separate but continuous statements. The amendments in the update are effective for interim and annual periods beginning on or after December 15, 2011. The provisions of this update are only expected to change the manner in which our other comprehensive income is disclosed.

10



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

2) Earnings Per Share

        Basic earnings (loss) per common share is computed by dividing net income (loss), less dividends and discount accretion on preferred stock, by the weighted average common shares outstanding. On June 21, 2010, the Company issued to various institutional investors 53,996 shares of Series B Mandatorily Convertible Cumulative Perpetual Preferred Stock ("Series B Preferred Stock") and 21,004 shares of Series C Convertible Perpetual Preferred Stock ("Series C Preferred Stock"). Subject to the terms of the Series B Preferred Stock, the 53,996 shares of Series B Preferred Stock converted into 14,398,992 shares of common stock on September 16, 2010. The 21,004 shares of Series C Preferred Stock remain outstanding as of September 30, 2011, and are convertible into 5,601,000 shares of common stock. The Series B Preferred Stock and Series C Preferred Stock participate in the earnings of the Company and, therefore, the shares issued on the conversion of the Series B Preferred Stock and the Series C Preferred Stock are considered outstanding under the two-class method of computing basic earnings per common share during periods of earnings. The shares issued on the conversion of the Series B Preferred Stock and the Series C Preferred Stock are not considered outstanding for the nine months ended September 30, 2010 due to the net loss allocable to common shareholders for the period. Diluted earnings (loss) per share reflect potential dilution from outstanding stock options and common stock warrants, using the treasury stock method. Due to the Company's net loss allocable to common shareholders for the nine months ended September 30, 2010, all stock options and common stock warrants were excluded from the computation of diluted loss per average common share. A reconciliation of the weighted average shares used in computing basic and diluted earnings (loss) per common share is as follows:

 
  For the Three Months Ended
September 30,
  For the Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  

Weighted average common shares outstanding

    26,295,001     14,230,212     26,257,112     12,623,743  

Effect of convertible preferred stock

    5,601,000     17,600,160     5,601,000     N/A  
                   
 

Shares used in computing basic earnings (loss) per common share

    31,896,001     31,830,372     31,858,112     12,623,743  

Dilutive effect of stock options oustanding, using the treasury stock method

    2,274         4,443     N/A  
                   
 

Shares used in computing diluted earnings (loss) per common share

    31,898,275     31,830,372     31,862,555     12,623,743  
                   

11



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

3) Securities

        The amortized cost and estimated fair value of securities at September 30, 2011 and December 31, 2010 were as follows:

September 30, 2011
  Amortized
Cost
  Gross
Unrealized
Gains
  Gross
Unrealized
Losses
  Estimated
Fair
Value
 
 
  (Dollars in thousands)
 

Securities available-for-sale:

                         
 

Agency Mortgage-Backed Securities

  $ 303,588   $ 8,537   $   $ 312,125  
                   

 

December 31, 2010
  Amortized
Cost
  Gross
Unrealized
Gains
  Gross
Unrealized
Losses
  Estimated
Fair
Value
 
 
  (Dollars in thousands)
 

Securities available-for-sale:

                         
 

Agency Mortgage-Backed Securities

  $ 235,099   $ 1,079   $ (4,013 ) $ 232,165  
                   

        At September 30, 2011 and December 31, 2010, all agency mortgage backed securities were issued by the Federal National Mortgage Association ("Fannie Mae") the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or the Government National Mortgage Association ("Ginnie Mae"), and there were no holdings of securities of any one issuer, other than the U.S. Government and its sponsored entities, in an amount greater than 10% of shareholders' equity.

        There were no securities with unrealized losses at September 30, 2011. At December 31, 2010, the Company held 106 securities, of which 54 had fair values below amortized cost. No securities had been carried with an unrealized loss for over 12 months. The Company did not consider these securities to be other-than-temporarily impaired at December 31, 2010.

        The amortized cost and estimated fair values of securities as of September 30, 2011, by weighted average life, are shown below. The weighted average life will differ from contractual maturities because borrowers may have the right to call or pre-pay obligations with or without call or pre-payment penalties.

 
  Available-for-sale  
 
  Amortized
Cost
  Estimated
Fair Value
 
 
  (Dollars in thousands)
 

Due within one year

  $   $  

Due after one through five years

    141,014     144,827  

Due after five through ten years

    144,858     148,853  

Due after ten years

    17,716     18,445  
           
 

Total

  $ 303,588   $ 312,125  
           

12



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans

        Loans were as follows:

 
  September 30,
2011
  December 31,
2010
 
 
  (Dollars in thousands)
 

Loans held-for-sale:

             
 

Loans held-for-sale—SBA

  $ 3,391   $ 8,750  
 

Loans held-for-sale—other

    421     2,260  
           
   

Total loans held-for-sale

  $ 3,812   $ 11,010  
           

Loans held-for-investment:

             
 

Commercial

  $ 365,532   $ 378,412  
 

Real estate:

             
   

Commercial and residential

    310,722     337,457  
   

Land and construction

    36,357     62,356  
   

Home equity

    51,668     53,697  
 

Consumer

    11,829     13,244  
           
   

Loans

    776,108     845,166  

Deferred loan origination costs and fees, net

    576     883  
           
 

Loans, including deferred costs

    776,684     846,049  

Allowance for loan losses

    (21,049 )   (25,204 )
           
 

Loans, net

  $ 755,635   $ 820,845  
           

        Prior to February 15, 2011, SBA loans that were sold were subject to a warranty for a period of 90 days. In accordance with generally accepted accounting principles, the Company treated sold SBA loans as secured borrowings during the warranty period. The secured borrowings were classified as "short-term borrowings" on the unaudited consolidated balance sheets. At December 31, 2010, the balance of loans held-for-sale included $2,445,000 of SBA loans that were transferred to third parties, with associated deferred gains of $192,000, which are included in other liabilities on the consolidated balance sheets. Effective February 15, 2011, the SBA no longer required a warranty period in loan sales agreements. Therefore, gains on loan sales completed after February 15, 2011 are recognized upon completion of the transaction, thus there are no short-term borrowings or deferred gains associated with the SBA loans held-for-sale at September 30, 2011.

13



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)

        Changes in the allowance for loan losses were as follows:

 
   
   
   
   
  Three
Months
Ended
September 30, 2010
Total
 
 
  Three Months Ended September 30, 2011  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Balance, beginning of period

  $ 13,992   $ 8,162   $ 1,013   $ 23,167   $ 26,753  

Charge-offs

    (3,042 )   (901 )       (3,943 )   (3,963 )

Recoveries

    283     25     2     310     442  
                       
 

Net (charge-offs)/recoveries

    (2,759 )   (876 )   2     (3,633 )   (3,521 )

Provision/(credit) for loan losses

    1,809     554     (848 )   1,515     2,058  
                       
 

Balance, end of period

  $ 13,042   $ 7,840   $ 167   $ 21,049   $ 25,290  
                       

 

 
   
   
   
   
  Nine
Months
Ended
September 30, 2010
Total
 
 
  Nine Months Ended September 30, 2011  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Balance, beginning of period

  $ 13,952   $ 10,363   $ 889   $ 25,204   $ 28,768  

Charge-offs

    (5,841 )   (2,497 )   (8 )   (8,346 )   (30,347 )

Recoveries

    513     436     3     952     1,115  
                       
 

Net charge-offs

    (5,328 )   (2,061 )   (5 )   (7,394 )   (29,232 )

Provision for loan losses

    4,418     (462 )   (717 )   3,239     25,754  
                       
 

Balance, end of period

  $ 13,042   $ 7,840   $ 167   $ 21,049   $ 25,290  
                       

14



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)

        The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, based on the impairment method as of September 30, 2011 and December 31, 2010:

 
  September 30, 2011  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Allowance for loan losses:

                         
 

Ending allowance balance attributable to loans:

                         
   

Individually evaluated for impairment

  $ 2,384   $ 623   $ 46   $ 3,053  
   

Collectively evaluated for impairment

    10,658     7,217     121     17,996  
                   
     

Total ending allowance balance

  $ 13,042   $ 7,840   $ 167   $ 21,049  
                   
 

Loans:

                         
   

Individually evaluated for impairment

  $ 10,442   $ 8,016   $ 617   $ 19,075  
   

Collectively evaluated for impairment

    355,090     390,731     11,212     757,033  
                   
     

Total ending loan balance

  $ 365,532   $ 398,747   $ 11,829   $ 776,108  
                   

 

 
  December 31, 2010  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Allowance for loan losses:

                         
 

Ending allowance balance attributable to loans:

                         
   

Individually evaluated for impairment

  $ 3,427   $ 1,855   $ 778   $ 6,060  
   

Collectively evaluated for impairment

    10,525     8,508     111     19,144  
                   
     

Total ending allowance balance

  $ 13,952   $ 10,363   $ 889   $ 25,204  
                   
 

Loans:

                         
   

Individually evaluated for impairment

  $ 14,374   $ 16,041   $ 898   $ 31,313  
   

Collectively evaluated for impairment

    364,038     437,469     12,346     813,853  
                   
     

Total ending loan balance

  $ 378,412   $ 453,510   $ 13,244   $ 845,166  
                   

15


Table of Contents


HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)

        The following table presents loans held-for-investment individually evaluated for impairment by class of loans as of September 30, 2011 and December 31, 2010. The recorded investment included in the following table represents loan principal net of any partial charge-offs recognized on the loans. The unpaid principal balance represents the recorded balance prior to any partial charge-offs.

 
  September 30, 2011   December 31, 2010  
 
  Unpaid
Principal
Balance
  Recorded
Investment
  Allowance
for Loan
Losses
Allocated
  Unpaid
Principal
Balance
  Recorded
Investment
  Allowance
for Loan
Losses
Allocated
 
 
  (Dollars in thousands)
 

With no related allowance recorded:

                                     
 

Commercial

  $ 4,270   $ 3,580   $   $ 5,557   $ 5,125   $  
 

Real estate:

                                     
   

Commercial and residential

    1,297     1,297         4,392     2,431      
   

Land and construction

    4,962     4,434         6,138     3,429      
 

Consumer

    161     161                  
                           
   

Total with no related allowance recorded

    10,690     9,472         16,087     10,985      

With an allowance recorded:

                                     
 

Commercial

    7,361     6,862     2,384     9,695     9,249     3,427  
 

Real estate:

                                     
   

Commercial and residential

    85     85     14     4,753     4,753     1,002  
   

Land and construction

    3,429     2,200     609     6,862     5,428     853  
   

Home Equity

                         
 

Consumer

    456     456     46     898     898     778  
                           
   

Total with an allowance recorded

    11,331     9,603     3,053     22,208     20,328     6,060  
                           
   

Total

  $ 22,021   $ 19,075   $ 3,053   $ 38,295   $ 31,313   $ 6,060  
                           

16


Table of Contents


HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)

        The following table presents interest recognized and cash-basis interest earned on impaired loans for the periods indicated:

 
  Three Months Ended September 30, 2011    
 
 
   
  Real Estate    
   
  Three
Months
Ended
September 30, 2010
Total
 
 
  Commercial   Commercial and
Residential
  Land and
Construction
  Home
Equity
  Consumer   Total  
 
  (Dollars in thousands)
 

Average of impaired loans during the period

  $ 11,740   $ 1,297   $ 4,411   $ 3,317   $ 800   $ 21,565   $ 47,111  

Interest income during impairment

  $   $   $   $   $ 2   $ 2   $ 1  

Cash-basis interest earned

  $   $   $   $   $   $   $  

 

 
  Nine Months Ended September 30, 2011    
 
 
   
  Real Estate    
   
  Nine
Months
Ended
September 30, 2010
Total
 
 
  Commercial   Commercial and
Residential
  Land and
Construction
  Home
Equity
  Consumer   Total  
 
  (Dollars in thousands)
 

Average of impaired loans during the period

  $ 12,777   $ 3,186   $ 6,213   $ 1,729   $ 848   $ 24,753   $ 55,950  

Interest income during impairment

  $ 2   $   $   $ 1   $ 2   $ 5   $ 41  

Cash-basis interest earned

  $   $   $   $ 1   $   $ 1   $ 27  

        Nonperforming loans include both smaller dollar balance homogenous loans that are collectively evaluated for impairment and individually classified loans. Nonperforming loans were as follows at period-end:

 
  September 30,    
 
 
  December 31,
2010
 
 
  2011   2010  
 
  (Dollars in thousands)
 

Nonaccrual loans—held-for-sale

  $ 191   $ 4,552   $ 2,026  

Nonaccrual loans—held-for-investment

    16,419     41,757     28,821  

Restructured and loans over 90 days past due and still accruing

    2,656     2,687     2,492  
               
 

Total

  $ 19,266   $ 48,996   $ 33,339  
               

17


Table of Contents


HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)

        The following table presents the nonperforming loans by class as of September 30, 2011 and December 31, 2010:

 
  September 30, 2011   December 31, 2010  
 
  Nonaccrual   Restructured and
Loans Over 90 Days
Past Due and
Still Accruing
  Total   Nonaccrual   Restructured and
Loans Over 90 Days
Past Due and
Still Accruing
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 8,487   $ 2,206   $ 10,693   $ 13,545   $ 829   $ 14,374  

Real estate:

                                     
 

Commercial and residential

    1,285         1,285     6,450     1,663     8,113  
 

Land and construction

    6,831         6,831     9,954         9,954  
 

Home equity

                         

Consumer

    7     450     457     898         898  
                           
 

Total

  $ 16,610   $ 2,656   $ 19,266   $ 30,847   $ 2,492   $ 33,339  
                           

        The following table presents the aging of past due loans as of September 30, 2011 by class of loans:

 
  September 30, 2011  
 
  30 - 59
Days
Past Due
  60 - 89
Days
Past Due
  90 Days or
Greater
Past Due
  Total
Past Due
  Loans Not
Past Due
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 1,976   $ 2,950   $ 4,126   $ 9,052   $ 356,480   $ 365,532  

Real estate:

                                     
 

Commercial and residential

    1,065             1,065     309,657     310,722  
 

Land and construction

            5,761     5,761     30,596     36,357  
 

Home equity

    400             400     51,268     51,668  

Consumer

            456     456     11,373     11,829  
                           
 

Total

  $ 3,441   $ 2,950   $ 10,343   $ 16,734   $ 759,374   $ 776,108  
                           

18


Table of Contents


HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)

        The following table presents the aging of past due loans as of December 31, 2010 by class of loans:

 
  December 31, 2010  
 
  30 - 59
Days
Past Due
  60 - 89
Days
Past Due
  90 Days or
Greater
Past Due
  Total
Past Due
  Loans Not
Past Due
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 3,176   $ 807   $ 14,374   $ 18,357   $ 360,055   $ 378,412  

Real estate:

                                     
 

Commercial and residential

    1,078     1,595     7,184     9,857     327,600     337,457  
 

Land and construction

            8,857     8,857     53,499     62,356  
 

Home equity

    80             80     53,617     53,697  

Consumer

            898     898     12,346     13,244  
                           
 

Total

  $ 4,334   $ 2,402   $ 31,313   $ 38,049   $ 807,117   $ 845,166  
                           

        Past due loans 30 days or greater totaled $16,734,000 and $38,049,000 at September 30, 2011 and December 31, 2010, respectively, of which $10,045,000 and $28,821,000 were on nonaccrual. At September 30, 2011, there were also $6,374,000 loans less than 30 days past due included in nonaccrual loans held-for-investment. There were no current loans included in nonaccrual loans held-for-investment at December 31, 2010. Management's classification of a loan as "nonaccrual" is an indication that there is reasonable doubt as to the full recovery of principal or interest on the loan. At that point, the Company stops accruing interest income, and reverses any uncollected interest that had been accrued as income. The Company begins recognizing interest income only as cash interest payments are received and it has been determined the collection of all outstanding principal is not in doubt. The loans may or may not be collateralized, and collection efforts are pursued.

Credit Quality Indicators

        Concentrations of credit risk arise when a number of clients are engaged in similar business activities, or activities in the same geographic region, or have similar features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company's loan portfolio is concentrated in commercial (primarily manufacturing, wholesale, and service) and real estate lending, with the balance in consumer loans. While no specific industry concentration is considered significant, the Company's lending operations are located in the Company's market areas that are dependent on the technology and real estate industries and their supporting companies. Thus, the Company's borrowers could be adversely impacted by a continued downturn in these sectors of the economy which could reduce the demand for loans and adversely impact the borrowers' ability to repay their loans.

        The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a quarterly basis. Nonclassified loans generally include those loans that are expected to be repaid in

19


Table of Contents


HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)


accordance with contractual loans terms. Classified loans are those loans that are assigned a substandard, substandard-nonaccrual, or doubtful risk rating using the following definitions:

        Substandard.    Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

        Substandard-Nonaccrual.    Loans classified as substandard-nonaccrual are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. In addition, the Company no longer accrues interest on the loan because of the underlying weaknesses.

        Doubtful.    Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

        The following table provides a summary of the loan portfolio by loan type and credit quality classification at September 30, 2011 and December 31, 2010:

 
  September 30, 2011   December 31, 2010  
 
  Nonclassified   Classified   Total   Nonclassified   Classified   Total  
 
  (Dollars in thousands)
 

Commercial

  $ 336,855   $ 28,677   $ 365,532   $ 340,319   $ 38,093   $ 378,412  

Real estate:

                                     
 

Commercial and residential

    291,686     19,036     310,722     320,867     16,590     337,457  
 

Land and construction

    14,165     22,192     36,357     32,664     29,692     62,356  
 

Home equity

    51,019     649     51,668     50,757     2,940     53,697  

Consumer

    11,647     182     11,829     12,346     898     13,244  
                           
 

Total

  $ 705,372   $ 70,736   $ 776,108   $ 756,953   $ 88,213   $ 845,166  
                           

        In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company's underwriting policy.

        During the three months and nine months ended September 30, 2011, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or more combination of the following: a reduction of the stated interest rate of the loan; an extension of maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

20


Table of Contents


HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

4) Loans (Continued)

        As a result of adopting the amended guidance in determining whether a restructuring is a troubled debt restructuring, the Company reassessed all restructurings that occurred on or after January 1, 2011 for identification as troubled debt restructurings. The Company did not identify any loans as troubled debt restructurings for which the allowance for loan losses had previously been measured under a general allowance for loan losses methodology.

        The book balance of troubled debt restructurings at September 30, 2011 was $5,651,000, which included $3,445,000 of nonaccrual loans and $2,206,000 of accruing loans. The book balance of troubled debt restructurings at December 31, 2010 was $7,924,000, which included $5,432,000 of nonaccrual loans and $2,492,000 of accruing loans. Approximately $301,000 and $1,134,000 in specific reserves were established with respect to these loans as of September 30, 2011 and December 31, 2010. As of September 30, 2011 and December 31, 2010, the Company had no additional amounts committed on any loan classified as a troubled debt restructuring.

        The following table presents loans by class modified as troubled debt restructurings during the three month period ended September 30, 2011:

 
  During the Three Months
Ended September 30, 2011
 
Troubled Debt Restructurings:
  Number
of
Contracts
  Pre-modification
Outstanding
Recorded
Investment
  Post-modification
Outstanding
Recorded
Investment
 
 
  (Dollars in thousands)
 

Commercial

    6   $ 1,557   $ 1,370  
               

        The troubled debt restructurings described above increased the allowance for loan losses by $144,000 through the allocation of specific reserves, and resulted in net charge-offs of $174,000 during the three month period ended September 30, 2011.

        The following table presents loans by class modified as troubled debt restructurings during the nine month period ended September 30, 2011:

 
  During the Nine Months Ended
September 30, 2011
 
Troubled Debt Restructurings:
  Number
of
Contracts
  Pre-modification
Outstanding
Recorded
Investment
  Post-modification
Outstanding
Recorded
Investment
 
 
  (Dollars in thousands)
 

Commercial

    7   $ 2,249   $ 2,057  
               

        The troubled debt restructurings described above increased the allowance for loan losses by $158,000 through the allocation of specific reserves, and resulted in net charge-offs of $174,000 during the nine months period ended September 30, 2011.

        A loan is considered to be in payment default when it is 30 days contractually past due under the modified terms. There were no defaults on troubled debt restructurings, within twelve months following the modification, during the three month and nine month periods ended September 30, 2011.

21


Table of Contents


HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

5) Preferred Stock

Series A Preferred Stock

        On November 21, 2008, the Company issued 40,000 shares of Series A Fixed Rate Cumulative Perpetual Preferred Stock ("Series A Preferred Stock") to the U.S. Treasury under the terms of the U.S. Treasury Capital Purchase Program for $40,000,000 with a liquidation preference of $1,000 per share. The Series A Preferred Stock carries a coupon of 5% for five years and 9% thereafter. In November 2009, the Company announced that it was exercising its right to suspend payment of dividends on its Series A Preferred Stock. On July 28, 2011, the Board of Directors of the Company declared a dividend on its Series A Preferred Stock held by the U.S. Treasury in an aggregate amount of $4,172,000. The dividend was paid on August 1, 2011. Of the aggregate dividend declared and paid, $3,500,000 was attributable to the dividend periods ending November 15, 2009 through May 15, 2011 and $172,000 was for interest on the deferred dividend payments. The balance of $500,000 was the dividend payable for the period ending August 15, 2011. As a result of the dividend payment, the Company is current with respect to dividends accrued and owed to the U.S. Treasury.

Private Placement

        On June 21, 2010, the Company issued to various institutional investors 53,996 shares of Series B Mandatory Convertible Perpetual Preferred Stock ("Series B Preferred Stock") and 21,004 shares of Series C Convertible Perpetual Preferred Stock ("Series C Preferred Stock") for an aggregate purchase price of $75,000,000. The Series B Preferred Stock was mandatorily convertible into common stock, upon approval by the shareholders, at a conversion price of $3.75 per share. The Series C Preferred Stock is mandatorily convertible into common stock at a conversion price of $3.75 per share upon both approval by the shareholders and thereafter, a subsequent transfer of the Series C Preferred Stock to third parties not affiliated with the holder in a widely dispersed offering. The Series B Preferred Stock and the Series C Preferred Stock did not include a beneficial conversion feature, as the conversion price of $3.75 per share was not below the fair market value of the Company's common stock on the commitment date.

        At the Company's Special Meeting of shareholders held on September 15, 2010, the Company's shareholders approved the issuance of common stock upon the conversion of the Series B Preferred Stock and upon the conversion of the Series C Preferred Stock, as required by the NASDAQ Stock Market and California corporate law. As a result, on September 16, 2010, the Series B Preferred Stock was converted into 14,398,992 shares of common stock of the Company and the shares of Series B Preferred Stock ceased to be outstanding.

        The Series C Preferred Stock remains outstanding until it has been converted into common stock in accordance with its terms. The Series C Preferred Stock is non-voting except in the case of certain transactions that would affect the rights of the holders of the Series C Preferred Stock or applicable law. Holders of Series C Preferred Stock will receive dividends if and only to the extent dividends are paid to holders of common stock. The Series C Preferred Stock is not redeemable by the Company or by the holders and has a liquidation preference of $1,000 per share. The Series C Preferred Stock ranks senior to the Company's common stock and ranks on parity with the Company's Series A Preferred Stock.

22



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

6) Income Taxes

        Some items of income and expense are recognized in different years for tax purposes than when applying generally accepted accounting principles, leading to timing differences between the Company's actual tax liability and the amount accrued for this liability based on book income. These temporary differences comprise the "deferred" portion of the Company's tax expense or benefit, which is accumulated on the Company's books as a deferred tax asset or deferred tax liability until such time as they reverse.

        Realization of the Company's deferred tax assets is primarily dependent upon the Company generating sufficient taxable income to obtain benefit from the reversal of net deductible temporary differences and utilization of tax credit carryforwards and the net operating loss carryforwards for Federal and California state income tax purposes. The amount of deferred tax assets considered realizable is subject to adjustment in future periods based on estimates of future taxable income. Under generally accepted accounting principles, a valuation allowance is required to be recognized if it is "more likely than not" that a deferred tax asset will not be realized. The determination of the realizability of the deferred tax assets is highly subjective and dependent upon judgment concerning management's evaluation of both positive and negative evidence, including forecasts of future income, cumulative losses, applicable tax planning strategies, and assessments of current and future economic and business conditions.

        The Company had net deferred tax assets of $27,361,000, net of a $3,700,000 partial valuation allowance, as of December 31, 2010. In analyzing the deferred tax assets as of September 30, 2011, based on the factors above, the Company estimated it was more likely than not that the Company will realize approximately $21,134,000 of the benefits of the deductible differences, and therefore, a $700,000 partial valuation allowance for deferred tax assets was recorded as of September 30, 2011. The income tax benefit of $2,529,000 for the third quarter of 2011, and $1,068,000 for the nine months ended September 30, 2011, are net of the $3,000,000 reduction in the partial valuation allowance from $3,700,000 as of December 31, 2010 to $700,000 as of September 30, 2011.

7) Benefit Plans

Supplemental Retirement Plan

        The Company has a supplemental retirement plan (the "Plan") covering current and former key executives and directors. The Plan is a nonqualified defined benefit plan. Benefits are unsecured as there are no Plan assets. The following table presents the amount of periodic cost recognized for the periods indicated:

 
  Three Months Ended
September 30,
  Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  
 
  (Dollars in thousands)
 

Components of net periodic benefit cost:

                         
 

Service cost

  $ 236   $ 244   $ 708   $ 732  
 

Interest cost

    206     209     618     627  
 

Amortization of prior service cost

    9     9     27     27  
 

Amortization of net actuarial loss

    31     17     93     51  
                   
   

Net periodic benefit cost

  $ 482   $ 479   $ 1,446   $ 1,437  
                   

23



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

7) Benefit Plans (Continued)

Split-Dollar Life Insurance Benefit Plan

        The Company maintains life insurance policies for current and former directors and officers that are subject to split-dollar life insurance agreements. During the third quarter of 2011, participants in the split-dollar life insurance benefit plan agreed to amend their agreements. As a result of the amended agreements, the benefit plan liability was reduced from $6,361,000 as of December 31, 2010 to $3,642,000 as of September 30, 2011.

        The following table sets forth the funded status of the split-dollar life insurance benefits for the nine months ended September 30, 2011 and the twelve months ended December 31, 2010:

 
  September 30, 2011   December 31, 2010  
 
  (Dollars in thousands)
 

Change in projected benefit obligation

             
 

Projected benefit obligation at beginning of year

  $ 6,361   $ 6,957  
 

Interest cost

    254     392  
 

Actuarial gain

        (833 )
 

Benefits paid

        (155 )
 

Amendments to split dollar agreements

    (2,973 )    
           
   

Projected benefit obligation at end of period

  $ 3,642   $ 6,361  
           

        Amounts recognized in accumulated other comprehensive loss at September 30, 2011 and December 31, 2010 consist of the following:

 
  September 30, 2011   December 31, 2010  
 
  (Dollars in thousands)
 

Net actuarial gain

  $ (407 ) $ (407 )

Prior transition obligation

    1,939     4,049  
           
 

Accumulated other comprehensive loss

  $ 1,532   $ 3,642  
           

8) Fair Value

        Accounting guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:

        Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

        Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities in active markets; quoted prices for identical assets or liabilities in markets that are not active; or other inputs that are observable or can be corroborated by observable market data (for example, interest rates and yield curves observable at commonly quoted intervals, prepayment speeds, credit risks, and default rates).

24



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

8) Fair Value (Continued)

        Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

Financial Assets and Liabilities Measured on a Recurring Basis

        The fair values of securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).

        The fair value of interest-only ("I/O") strip receivable assets is based on a valuation model used by a third party. The Company is able to compare the valuation model inputs and results to widely available published industry data for reasonableness (Level 2 inputs).

 
   
  Fair Value Measurements Using  
 
  Balance   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)
  Significant
Other
Observable
Inputs
(Level 2)
  Significant
Unobservable
Inputs
(Level 3)
 
 
  (Dollars in thousands)
 

Assets at September 30, 2011:

                         
 

Available-for-sale securities:

                         
   

Agency Mortgage-Backed Securities

  $ 312,125       $ 312,125      
 

I/O strip receivables

    2,180         2,180      

Assets at December 31, 2010:

                         
 

Available-for-sale securities:

                         
   

Agency Mortgage-Backed Securities

  $ 232,165       $ 232,165      
 

I/O strip receivables

    2,140         2,140      

        There were no transfers between Level 1 and Level 2 during the period for assets measured at fair value on a recurring basis.

Assets and Liabilities Measured on a Non-Recurring Basis

        The fair value of loans held-for-sale is generally based on obtaining bids and broker indications on the estimated value of these loans held-for-sale, resulting in a Level 2 classification.

        The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. The appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.

25



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

8) Fair Value (Continued)

        Nonrecurring adjustments to certain commercial and residential estate properties classified as other real estate owned are measured at the lower of carrying amount or fair value, less costs to sell. Fair values are generally based on third party appraisals of the property, resulting in a Level 3 classification. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized.

 
   
  Fair Value Measurements Using  
 
  Balance   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)
  Significant
Other
Observable
Inputs
(Level 2)
  Significant
Unobservable
Inputs
(Level 3)
 
 
  (Dollars in thousands)
 

Assets at September 30, 2011:

                         
 

Impaired loans held-for-sale—other:

                         
   

Real estate:

                         
     

Land and construction

  $ 191       $ 191      
                       
 

Impaired loans—held-for-investment:

                         
   

Commercial

  $ 5,993           $ 5,993  
   

Real estate:

                         
     

Commercial and residential

    967             967  
     

Land and construction

    3,277             3,277  
   

Consumer

    410             410  
                       

  $ 10,647           $ 10,647  
                       
 

Other real estate owned

  $ 1,229           $ 1,229  

Assets at December 31, 2010:

                         
 

Impaired loans held-for-sale—other:

                         
   

Real estate:

                         
     

Commercial and residential

  $ 929       $ 929      
     

Land and construction

    1,097         1,097      
                       

  $ 2,026       $ 2,026      
                       
 

Impaired loans—held-for-investment:

                         
   

Commercial

  $ 6,725           $ 6,725  
   

Real estate:

                         
     

Commercial and residential

    5,982             5,982  
     

Land and construction

    8,005             8,005  
   

Consumer

    120             120  
                       

  $ 20,832           $ 20,832  
                       
 

Other real estate owned

 
$

1,296
   
   
 
$

1,296
 

26



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

8) Fair Value (Continued)

        The following table shows the detail of the impaired loans held-for-investment and the impaired loans held-for-investment carried at fair value for the periods indicated:

 
  September 30, 2011   December 31, 2010  
 
  (Dollars in thousands)
 

Impaired loans held-for-investment:

             
 

Book value of impaired loans held-for-investment carried at fair value

  $ 13,700   $ 26,892  
 

Book value of impaired loans held-for-investment carried at cost

    5,375     4,421  
           
   

Total impaired loans held-for-investment

  $ 19,075   $ 31,313  
           

Impaired loans held-for-investment carried at fair value:

             
 

Book value of impaired loans held-for-investment carried at fair value

  $ 13,700   $ 26,892  
 

Specific valuation allowance

    (3,053 )   (6,060 )
           
   

Impaired loans held-for-investment carried at fair value, net

  $ 10,647   $ 20,832  
           

        Impaired loans held-for-investment which are measured primarily for impairment using the fair value of the collateral were $19,075,000 at September 30, 2011, after partial charge-offs of $2,946,000 in the first nine months of 2011. In addition, these loans had a specific valuation allowance of $3,053,000 at September 30, 2011. Impaired loans held-for-investment totaling $13,700,000 at September 30, 2011 were carried at fair value as a result of the aforementioned partial charge-offs and specific valuation allowances at period-end. The remaining $5,375,000 of impaired loans were carried at cost at September 30, 2011, as the fair value of the collateral exceeded the cost basis of each respective loan. Partial charge-offs and changes in specific valuation allowances during the first nine months of 2011 on impaired loans held-for-investment carried at fair value at September 30, 2011 resulted in an additional provision for loan losses of $2,725,000.

        Total other real estate owned, consisting of two properties, had a fair value of $1,229,000 at September 30, 2011.

        Impaired loans held-for-investment which are measured primarily for impairment using the fair value of the collateral totaled $31,313,000 at December 31, 2010, after partial charge-offs of $6,982,000 in 2010. In addition, these loans had a specific valuation allowance of $6,060,000 at December 31, 2010. Impaired loans held-for-investment totaling $26,892,000 at December 31, 2010 were carried at fair value as a result of the aforementioned partial charge-offs and specific valuation allowances at year-end. The remaining $4,421,000 of impaired loans were carried at cost at December 31, 2010, as the fair value of the collateral exceeded the cost basis of each respective loan. Partial charge-offs and changes in specific valuation allowances during 2010 on impaired loans held-for-investment carried at fair value at December 31, 2010 resulted in an additional provision for loan losses of $9,791,000.

        Total other real estate owned, consisting of one property, had a fair value of $1,296,000 at December 31, 2010.

27



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

8) Fair Value (Continued)

        The carrying amounts and estimated fair values of the Company's financial instruments for the periods indicated were as follows:

 
  September 30, 2011   December 31, 2010  
 
  Carrying
  Estimated
Fair
  Carrying
  Estimated

 
 
  (Dollars in thousands)
 

Assets:

                         
 

Cash and cash equivalents

  $ 23,720   $ 23,720   $ 72,177   $ 72,177  
 

Securities available-for-sale

    312,125     312,125     232,165     232,165  
 

Loans (including loans held-for-sale), net

    759,447     761,555     831,855     855,327  
 

FHLB and FRB stock

    9,921     N/A     9,174     N/A  
 

Accrued interest receivable

    3,297     3,297     3,215     3,215  
 

Loan servicing rights and I/O strips receivables

    2,989     5,479     3,055     5,340  

Liabilities:

                         
 

Time deposits

  $ 254,188   $ 255,082   $ 287,344   $ 288,798  
 

Other deposits

    751,946     751,946     706,574     706,574  
 

Securities sold under agreement to repurchase

            5,000     5,018  
 

Short-term borrowings

            2,445     2,445  
 

Subordinated debt

    23,702     15,465     23,702     14,445  
 

Accrued interest payable

    409     409     2,810     2,810  

        The methods and assumptions, not previously discussed, used to estimate the fair value are described as follows:

Cash and Cash Equivalents and Accrued Interest Receivable and Payable

        The carrying amount approximates fair value because of the short maturities of these instruments.

Loans

        Loans with similar financial characteristics are grouped together for purposes of estimating their fair value. Loans are segregated by type such as commercial, term real estate, construction and land development, and consumer. Each loan category is further segmented into fixed and adjustable rate interest terms.

        The fair value of performing, fixed rate loans is calculated by discounting scheduled future cash flows using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The fair value of variable rate loans approximates the carrying amount as these loans generally reprice within 90 days.

        The fair value of loans held-for-sale is based on estimated market values from third party investors.

28



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

8) Fair Value (Continued)

FHLB and FRB Stock

        It was not practical to determine the fair value of FHLB and FRB stock due to the restrictions placed on transferability.

Deposits

        The fair value of deposits with no stated maturity, such as demand deposits, savings, and money market accounts, approximates the amount payable on demand. The carrying amount approximates the fair value of time deposits with a remaining maturity of less than 90 days. The fair value of all other time deposits is calculated based on discounting the future cash flows using rates currently offered for time deposits with similar remaining maturities.

Subordinated Debt and Securities Sold Under Agreement to Purchase

        The fair values of subordinated debt and securities sold under agreement to repurchase were determined based on the current market value for like kind instruments of a similar maturity and structure.

Short-term Borrowings and Note Payable

        The carrying amount approximates the fair value of short-term borrowings and the note payable that reprice frequently and fully.

Off-Balance Sheet Items

        The fair value of off-balance sheet items, such as commitments to extend credit, is not considered material and therefore is not included in the table above.

Limitations

        Fair value estimates are made at a specific point in time, based on relevant market information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering for sale at one time the entire holdings of a particular financial instrument. 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.

9) Regulatory Matters

        In 2011, the Federal Reserve Bank of San Francisco ("FRB") and the State of California Department of Financial Institutions ("DFI") issued a joint order terminating the regulatory written agreement ("Written Agreement") entered into on February 17, 2010, among the Company, HBC, the FRB and the DFI. Effective June 9, 2011, the Company and HBC are no longer subject to the terms and conditions of the Written Agreement.

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HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

10) Equity Plan

        The Company granted 62,000 restricted shares of its common stock, at a grant price of $5.16, to eight officers pursuant to the terms of the restricted stock agreements, dated June 16, 2011, under the Amended and Restated 2004 Equity Plan. Under the terms of the agreements, the common stock is subject to risk of forfeiture until the common stock has vested. The common stock will vest upon the later of: (a) the date the Company has redeemed all of the issued and outstanding shares of the Company's Series A Fixed Rate Cumulative Perpetual Preferred Stock, or (b) upon the second anniversary of the grant date. However, upon the occurrence of a change in control, or the death or disability of the participant, the common stock will vest immediately. The fair value of stock awards at the grant date was $319,920, which is being amortized over a two year period on the straight-line method. Amortization expense related to the 62,000 shares was $46,000 for the nine months ended September 30, 2011. None of the shares were vested at September 30, 2011.

        The Company also granted 150,000 shares of unqualified stock options to directors and employees in June 2011. The exercise price was $5.16 per share, and the options vest over four years. Stock option expense related to the 150,000 shares was $33,000 for the nine months ended September 30, 2011. As of September 30, 2011, there was $402,000 of unrecognized compensation expense related to the 150,000 nonvested stock options granted in June 2011.

11) Comprehensive Income (Loss)

        Comprehensive income (loss) consists of other comprehensive income and net income (loss). Other comprehensive income refers to gains and losses that are included in comprehensive income (loss) but are excluded from net income (loss) because they have been recorded directly in equity under the provisions of other accounting guidance. The following is a summary of the components of other comprehensive (loss) income:

 
  For the Three Months
Ended
September 30,
  For the Nine Months
Ended
September 30,
 
 
  2011   2010   2011   2010  
 
  (Dollars in thousands)
 

Net income (loss)

  $ 4,817   $ 651   $ 8,484   $ (57,562 )

Net unrealized holding gains on available-for-sale securities and I/O strips

    7,733     1,417     11,607     1,769  

Less: Deferred income tax

    (3,248 )   (595 )   (4,875 )   (743 )
                   
 

Change in unrealized gains on available-for-sale securities and I/O strips, net of deferred income tax

    4,485     822     6,732     1,026  
                   

Net pension and other post retirement plan liability adjustment

    2,034     112     2,229     348  

Less: Deferred income tax

    (1,498 )   (47 )   (1,579 )   (146 )
                   
 

Change in pension and other post retirement plan liability, net of deferred income tax

    536     65     650     202  
                   
   

Other comprehensive income

    5,021     887     7,382     1,228  
                   
       

Total comprehensive income (loss)

  $ 9,838   $ 1,538   $ 15,866   $ (56,334 )
                   

30



HERITAGE COMMERCE CORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

September 30, 2011

(Unaudited)

12) Subordinated Debt

        In November 2009, the Company announced that it was exercising its right to defer regularly scheduled interest payments on its $23,702,000 of junior subordinated notes relating to its trust preferred securities. From the time it deferred interest payments, the Company accrued the expense of each deferred interest payment at the normal rate on a compounded basis. On June 24, 2011, the Company paid all of the deferred interest payments on its outstanding trust preferred subordinated debt securities in the amount of $3,884,000, which includes all payments due through September 8, 2011. As a result of the interest payment, the Company is current with respect to interest accrued on trust preferred subordinated debt securities.

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ITEM 2—MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

        The following discussion provides information about the results of operations, financial condition, liquidity, and capital resources of Heritage Commerce Corp (the "Company") and its wholly owned subsidiary, Heritage Bank of Commerce (sometimes referred to as "HBC"). This information is intended to facilitate the understanding and assessment of significant changes and trends related to our financial condition and the results of operations. This discussion and analysis should be read in conjunction with our consolidated financial statements and the accompanying notes presented elsewhere in this report. Unless we state otherwise or the context indicates otherwise, references to the "Company," "Heritage," "we," "us," and "our," in this Report on Form 10-Q refer to Heritage Commerce Corp and Heritage Bank of Commerce. Reference to "HCC" refers only to Heritage Commerce Corp, the holding company of HBC.

EXECUTIVE SUMMARY

        This summary is intended to identify the most important matters on which management focuses when it evaluates the financial condition and performance of the Company. When evaluating financial condition and performance, management looks at certain key metrics and measures. The Company's evaluation includes comparisons with peer group financial institutions and its own performance objectives established in the internal planning process.

        The primary activity of the Company is commercial banking. The Company's operations are located entirely in the southern and eastern regions of the general San Francisco Bay Area of California in the counties of Santa Clara, Alameda and Contra Costa. The largest city in this area is San Jose and the Company's market includes the headquarters of a number of technology based companies in the region known commonly as Silicon Valley. The Company's customers are primarily closely held businesses and professionals.

Performance Overview

        For the three months ended September 30, 2011, net income was $4.8 million. The net income allocable to common shareholders was $4.3 million, or $0.13 per common share for the three months ended September 30, 2011, which included a $1.5 million provision for loan losses and a $3.0 million reduction of the partial valuation allowance for deferred tax assets. For the three months ended September 30, 2010, net income was $651,000. The net income allocable to common shareholders was $458,000 or $0.01 per average diluted common share for the three months ended September 30, 2010, which included a $2.1 million provision for loan losses, a $1.1 million write-down of loans held-for-sale, and an $887,000 loss on the sale of other loans, partially offset by a $1.5 million gain on sale of securities.

        For the nine months ended September 30, 2011, net income was $8.5 million. The net income allocable to common shareholders was $6.8 million, or $0.21 per common share, which included a $3.2 million provision for loan losses and a $3.0 million reduction of its partial valuation allowance for deferred tax assets. For the nine months ended September 30, 2010, the net loss was $57.6 million. The net loss allocable to common shareholders was $59.4 million, or $(4.70) per average diluted common share, which included a $43.2 million charge for impairment of goodwill, a $25.8 million provision for loan losses, and $3.7 million expense to establish a partial valuation allowance on the deferred tax assets.

        The following are major factors that impacted the Company's results of operations:

    The net interest margin increased 49 basis points to 4.01% for the third quarter of 2011, compared with 3.52% for the third quarter of 2010, and increased 6 basis points from 3.95% for

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      the second quarter of 2011, principally due to a higher yield on loans, a lower level of interest-bearing deposits in other institutions, a lower cost of deposits as a result of higher noninterest-bearing demand deposit balances, and a lower level of nonaccrual loans. The Company's net interest margin increased to 3.97% for the nine months ended September 30, 2011, compared to 3.72% for the nine months ended September 30, 2010, primarily as a result of a higher yield on loans, a lower level of interest-bearing deposits in other institutions, a lower cost of deposits as a result of higher noninterest-bearing demand deposit balances, and a lower level of nonaccrual loans as credit quality improved.

    Net interest income was $11.7 million for the third quarter of 2011, compared to $10.8 million for the third quarter of 2010. Net interest income was $34.4 million for the nine months ended September 30, 2011, compared to $33.6 million for the nine months ended September 30, 2010. The increase in net interest income in 2011 compared to the same periods in 2010 was primarily due to an increase in the average balance of investment securities and lower interest expense on deposits, partially offset by a decrease in average loans.

    The provision for loan losses was $1.5 million for the third quarter of 2011, compared to $2.1 million for the third quarter of 2010. The provision for loan losses for the nine months ended September 30, 2011 was $3.2 million, compared to $25.8 million for the nine months ended September 30, 2010. The decrease in 2011 compared to 2010 reflects a lower volume of classified assets and nonperforming loans, and contraction of the loan portfolio.

    Noninterest income decreased 30% to $1.9 million for the third quarter of 2011 from $2.7 million for the third quarter of 2010, and decreased 5% to $6.0 million for the nine months ended September 30, 2011 from $6.3 million for the nine months ended September 30, 2010, primarily due to a $1.5 million gain on the sale of securities, which was partially offset by an $887,000 loss on sale of other loans in the third quarter of 2010.

    Noninterest expense was $9.8 million for the third quarter of 2011, compared to $11.2 million for the third quarter of 2010. For the nine months ended September 30, 2011, noninterest expense was $29.7 million, compared to $34.8 million for the nine months ended September 30, 2010, excluding a $43.2 million impairment of goodwill. The decrease in noninterest expense in the third quarter and nine months ended September 30, 2011 was due to a decline in salaries and employee benefits expense, FDIC insurance premiums and professional fees. This was partially offset by an increase in investment losses on the Company's low income housing investments in the third quarter and nine months ended September 30, 2011.

    The efficiency ratio was 72.06% for the third quarter of 2011, compared to 82.96% for the third quarter of 2010, excluding the impairment of goodwill. The efficiency ratio for the nine months ended September 30, 2011 was 73.60%, compared to 87.22% for the nine months ended September 30, 2010, excluding the impairment of goodwill. The improvement was primarily due to lower noninterest expense as management continues to focus on controlling expenses and higher net interest income.

    The income tax benefit for the quarter ended September 30, 2011 was $2.5 million, compared to an income tax benefit of $398,000 in the third quarter of 2010. For the nine months ended September 30, 2011, the income tax benefit was $1.1 million, compared to an income tax benefit of $6.3 million in the nine months September 30, 2010. The income tax benefit for the third quarter and for the nine months ended September 30, 2011 included the $3.0 million reversal of the partial valuation allowance for deferred tax assets. The difference in the effective tax rate compared to the combined federal and state statutory tax rate of 42% is primarily the result of the Company's investment in life insurance policies whose earnings are not subject to taxes, and tax credits related to investments in low income housing limited partnerships.

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        The following are important factors in understanding our current financial condition and liquidity position:

    Cash and due from banks, interest-bearing deposits in other financial institutions and securities available-for-sale increased 13% to $387.9 million at September 30, 2011, from $342.0 million at September 30, 2010, and increased 27% from $304.3 million at December 31, 2010.

    Total loans, excluding loans held-for-sale, decreased $109.9 million, or 12%, to $776.7 million at September 30, 2011, compared to $886.6 million at September 30, 2010, and decreased $69.4 million, or 8%, from $846.0 million at December 31, 2010. Land and construction loans decreased $55.3 million, or 60%, to $36.4 million at September 30, 2011, compared to $91.7 million at September 30, 2010, and decreased $26.0 million, or 42%, from $62.4 million at December 31, 2010.

    Classified assets decreased to $72.4 million at September 30, 2011, compared to $116.5 million at September 30, 2010, and $91.8 million at December 31, 2010.

    The allowance for loan losses at September 30, 2011 was $21.0 million, or 2.71% of total loans compared to $25.3 million, or 2.85% of total loans at September 30, 2010. The allowance for loan losses at December 31, 2010, was $25.2 million, or 2.98% of total loans.

    The allowance for loan losses to total nonperforming loans, increased to 109.25% at September 30, 2011, compared to 51.62% at September 30, 2010, and 75.60% at December 31, 2010.

    The allowance for loan losses to total nonperforming loans, excluding nonaccrual loans held-for-sale, increased to 110.35% at September 30, 2011, compared to 56.90% at September 30, 2010, and 80.49% at December 31, 2010.

    Nonperforming assets were $20.5 million, or 1.64% of total assets at September 30, 2011, compared to $49.7 million or 3.73% of total assets at September 30, 2010, and $34.6 million, or 2.78% of total assets at December 31, 2010.

    Net loan charge-offs were $3.6 million in the third quarter of 2011, compared to $3.5 million in the third quarter of 2010.

    Noninterest-bearing demand deposits increased 28% to $344.5 million at September 30, 2011, from $269.5 million at September 30, 2010, and increased 23% from $280.3 million at December 31, 2010.

    Brokered deposits decreased 29% to $93.7 million at September 30, 2011, from $132.4 million at September 30, 2010, and decreased 5% from $98.5 million at December 31, 2010.

    The ratio of noncore funding (which consists of time deposits—$100,000 and over, CDARS deposits, brokered deposits, securities under agreement to repurchase and short-term borrowings) to total assets was 17.83% at September 30, 2011, compared to 22.61% at September 30, 2010, and 20.96% at December 31, 2010.

    The loan to deposit ratio was 77.19% at September 30, 2011, compared to 83.24% at September 30, 2010, and 85.12% at December 31, 2010.

    Capital ratios exceed regulatory requirements for a well-capitalized financial institution, both on a consolidated basis and at the bank level at September 30, 2011. The leverage ratio at the holding company was 16.0%, with a Tier 1 risk-based capital ratio of 21.1%, and a total risk-based capital ratio of 22.3% at September 30, 2011. The leverage ratio for HBC was 14.2%, with a Tier 1 risk-based capital ratio of 18.7%, and a total risk-based capital ratio of 19.9% at

34


      September 30, 2011. The regulatory well-capitalized guidelines are a minimum of a 5% leverage ratio, a 6% Tier 1 risk-based capital ratio, and a 10% total risk-based capital ratio.

Significant Third Quarter 2011 Events

        On July 28, 2011, the Company's Board of Directors declared a dividend on its Series A Preferred Stock held by the U.S. Treasury in an aggregate amount of $4.2 million. The dividend was paid on August 1, 2011. Of the aggregate dividend declared and paid, $3.5 million was attributable to the dividend periods ending November 15, 2009 through May 15, 2011 and $172,000 was for interest on the deferred dividend payments, that have been previously accrued. The balance of $500,000 was the dividend payable for the period ending August 15, 2011. As a result of the dividend payment, the Company is current with respect to dividends accrued and owed to the U.S. Treasury.

        The Company had net deferred tax assets of $27.4 million, net of a $3,7 million partial valuation allowance, as of December 31, 2010. In analyzing the deferred tax assets as of September 30, 2011, based on the factors above, the Company estimated it was more likely than not that the Company will realize approximately $21.1 million of the benefits of the deductible differences, and therefore, a $700,000 partial valuation allowance for deferred tax assets was recorded as of September 30, 2011. The income tax benefit of $2.5 million for the third quarter of 2011, and $1.1 million for the nine months ended September 30, 2011, are net of the $3.0 million reduction in the partial valuation allowance from $3.7 million as of December 31, 2010 to $700,000 as of September 30, 2011.

        The Company has investments in low-income housing funds ("LIHFs") that earn tax credits and tax benefits, which reduces the Company's effective tax rate compared to statutory tax rates. Based on the projected future operating results of the LIHFs, the Company recognized additional LIHF investment losses in the third quarter of 2011. LIHF investments losses were $617,000 and $820,000 during the third quarter and first nine months of 2011, respectively, compared to $214,000 and $572,000 for the same periods in 2010.

        The Company maintains life insurance policies for current and former directors and officers that are subject to split-dollar life insurance agreements. During the third quarter of 2011, participants in the split-dollar life insurance benefit plan agreed to amend their agreements. As a result of the amended agreements, the benefit plan liability was reduced from $6.4 million as of December 31, 2010 to $3.6 million as of September 30, 2011.

Deposits

        The composition and cost of the Company's deposit base are important in analyzing the Company's net interest margin and balance sheet liquidity characteristics. Except for brokered time deposits, the Company's depositors are generally located in its primary market area. Depending on loan demand and other funding requirements, the Company also obtains deposits from wholesale sources including deposit brokers. The Company had $93.7 million in brokered deposits at September 30, 2011, compared to $132.4 million at September 30, 2010, and $98.5 million at December 31, 2010. Deposits from title insurance companies, escrow accounts and real estate exchange facilitators decreased to $30.5 million at September 30, 2011, compared to $50.1 million at September 30, 2010, and $39.0 million at December 31, 2010. The Company has a policy to monitor all deposits that may be sensitive to interest rate changes to help assure that liquidity risk does not become excessive due to concentrations. Deposits at September 30, 2011 were $1.0 billion, compared to $1.1 billion at September 30, 2010, and $993.9 million at December 31, 2010. At September 30, 2011, our reliance on noncore funding has improved with the ratio of noncore funding to total assets at 17.83%, compared to 22.61% at September 30, 2010, and 20.96% at December 31, 2010.

        HBC is a member of the Certificate of Deposit Account Registry Service ("CDARS") program. The CDARS program allows customers with deposits in excess of FDIC insured limits to obtain

35



coverage on time deposits through a network of banks within the CDARS program. Deposits gathered through this program are considered brokered deposits under regulatory guidelines. Deposits in the CDARS program totaled $10.2 million at September 30, 2011, compared to $16.3 million at September 30, 2010, and $17.9 million at December 31, 2010.

Liquidity

        Our liquidity position refers to our ability to maintain cash flows sufficient to fund operations and to meet obligations and other commitments in a timely fashion. At September 30, 2011, we had $75.8 million in cash and cash equivalents and approximately $328.3 million in available borrowing capacity from various sources including the Federal Home Loan Bank ("FHLB"), the Federal Reserve Bank of San Francisco ("FRB"), and Federal funds facilities with several financial institutions. The Company also had $280.4 million in unpledged securities available at September 30, 2011. Our loan to deposit ratio decreased to 77.19% at September 30, 2011, compared to 83.24% at September 30, 2010, and 85.12% at December 31, 2010, primarily due to a reduction in the loan portfolio.

Lending

        Our lending business originates primarily through our branch offices located in our primary market. The Company also has an additional SBA loan production office in Santa Rosa, California. The total loan portfolio remains well diversified with commercial and industrial ("C&I") loans accounting for 47% of the portfolio at September 30, 2011. Commercial and residential real estate loans accounted for 40% of the total loan portfolio at September 30, 2011, of which 52% were owner-occupied by businesses. We have actively lowered our exposure to land and construction loans and our overall credit risk on these portfolios has been reduced. Land and construction loans decreased $55.3 million to $36.4 million at September 30, 2011, compared to $91.7 million at September 30, 2010, and accounted for 5% of our total loan portfolio at September 30, 2011, compared to 10% at September 30, 2010, and 7% at December 31, 2010. Consumer and home equity loans accounted for the remaining 8% of total loans at September 30, 2011. The yield on the loan portfolio was 5.29% for the third quarter of 2011 and 5.30% for the nine months ended September 30, 2011, compared to 5.10% and 5.07% for the respective comparable periods in 2010. Loans, excluding loans held-for-sale, decreased 12% to $776.7 million at September 30, 2011, from $886.6 million a year ago, and decreased 8% from $846.0 million at December 31, 2010. The decline in gross loans for the nine months ended September 30, 2011 was primarily due to diminished loan demand, loan payoffs exceeding draw downs of loan commitments and the result of efforts to reduce classified loans. Lower volume of loan originations can be attributed in part to lower demand for certain types of credit as well as more selectivity with respect to the types of loans the Company chooses to originate.

Net Interest Income

        The management of interest income and expense is fundamental to the performance of the Company. Net interest income, the difference between interest income and interest expense, is the largest component of the Company's total revenue. Management closely monitors both total net interest income and the net interest margin (net interest income divided by average earning assets).

        Because of our focus on commercial lending to closely held businesses, the Company will continue to have a high percentage of floating rate loans and other assets. Given the current volume, mix and repricing characteristics of our interest-bearing liabilities and interest-earning assets, we believe our interest rate spread is expected to increase in a rising rate environment, and decrease in a declining interest rate environment.

        The Company, through its asset and liability policies and practices, seeks to maximize net interest income without exposing the Company to an excessive level of interest rate risk. Interest rate risk is

36



managed by monitoring the pricing, maturity and repricing options of all classes of interest bearing assets and liabilities. This is discussed in more detail under "Liquidity and Asset/Liability Management." In addition, we believe there are measures and initiatives we can take to improve the net interest margin, including increasing loan rates, adding floors on floating rate loans, reducing nonperforming assets, managing deposit interest rates, and reducing higher cost deposits.

        The net interest margin is also adversely impacted by the reversal of interest on nonaccrual loans and the reinvestment of loan payoffs into lower yielding investment securities and other short-term investments.

        The net interest margin expanded for the nine months ended September 30, 2011, compared to the same period in 2010 primarily due to a lower cost of deposits as a result of higher noninterest-bearing demand deposit balances, along with a lower level of nonaccrual loans.

Management of Credit Risk

        We continue to proactively identify, quantify, and manage our problem loans. Early identification of problem loans and potential future losses helps enable us to resolve credit issues with potentially less risk and ultimate losses. We maintain an allowance for loan losses in an amount that we believe is adequate to absorb probable incurred losses in the portfolio. While we strive to carefully manage and monitor credit quality and to identify loans that may be deteriorating, circumstances can change at any time for loans included in the portfolio that may result in future losses, that as of the date of the financial statements have not yet been identified as potential problem loans. Through established credit practices, we adjust the allowance for loan losses accordingly. However, because future events are uncertain, there may be loans that deteriorate some of which could occur in an accelerated time frame. As a result, future additions to the allowance for loan losses may be necessary. Because the loan portfolio contains a number of commercial loans, commercial real estate, construction and land development loans with relatively large balances, deterioration in the credit quality of one or more of these loans may require a significant increase to the allowance for loan losses. Future additions to the allowance may also be required based on changes in the financial condition of borrowers, such as have resulted due to the current, and potentially worsening, economic conditions. Additionally, Federal and state banking regulators, as an integral part of their supervisory function, periodically review our allowance for loan losses. These regulatory agencies may require us to recognize further loan loss provisions or charge-offs based upon their judgments, which may be different from ours. Any increase in the allowance for loan losses would have an adverse effect, which may be material, on our financial condition and results of operation.

        Further discussion of the management of credit risk appears under "Provision for Loan Losses" and "Allowance for Loan Losses."

Noninterest Income

        While net interest income remains the largest single component of total revenues, noninterest income is an important component.

        A portion of the Company's noninterest income is associated with its SBA lending activity, consisting of gains on the sale of loans sold in the secondary market and servicing income from loans sold with servicing retained. Prior to February 15, 2011, the sale of SBA loans were subject to a warranty for a period of 90 days. In accordance with generally accepted accounting principles, the Company treated the SBA loans sold as secured borrowings during the warranty period. Effective February 15, 2011, the SBA no longer required a warranty period in loan sales agreements. Therefore, gains on loan sales completed after February 15, 2011 are recognized upon completion of the transaction.

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Table of Contents

        Other sources of noninterest income include loan servicing fees, service charges and fees, cash surrender value from company owned life insurance policies, and gains on the sale of securities.

Noninterest Expense

        Management considers the control of operating expenses to be a critical element of the Company's performance. The Company has undertaken several initiatives to reduce its noninterest expense and improve its efficiency. Noninterest expense decreased $5.1 million for the nine months ended September 30, 2011, compared to the nine months ended September 30, 2010, excluding the impairment of goodwill, primarily due to lower salaries and benefits, FDIC deposit insurance premiums, professional fees related to problem loans, and expenses related to OREO properties.

Capital Management

        As part of its asset and liability management process, the Company continually assesses its capital position to take into consideration growth, expected earnings, risk profile and potential corporate activities that it may choose to pursue.

        On November 21, 2008, the Company issued to the U.S. Treasury under its Capital Purchase Program 40,000 shares of Series A Preferred Stock for $40.0 million and issued a warrant to purchase 462,963 shares of common stock at an exercise price of $12.96. The terms of the U.S. Treasury Capital Purchase Program could reduce investment returns to our shareholders by restricting dividends to common shareholders, diluting existing shareholders' interests, and restricting capital management practices.

        Under the terms of the Capital Purchase Program with the U.S. Treasury, so long as our Series A Preferred Stock is outstanding, we are prohibited from increasing quarterly dividends on our common stock in excess of $0.08 per share, and from making certain repurchases of equity securities, including our common stock, without the U.S. Treasury consent until the third anniversary of the U.S. Treasury investment or until the U.S. Treasury has transferred all of the Series A Preferred Stock it purchased under the Capital Purchase Program to third parties. As long as the Series A Preferred Stock is outstanding, dividend payments and repurchases or redemptions relating to certain equity securities, including our common stock, and the Series C Preferred Stock, are also prohibited until all accrued and unpaid dividends are paid on such preferred stock, subject to certain limited exceptions. On November 6, 2009, we suspended dividend payments on our Series A Preferred Stock. On July 28, 2011, the Company's Board of Directors declared a dividend on its Series A Preferred Stock held by the U.S. Treasury in an aggregate amount of $4.2 million. The dividend was paid on August 1, 2011. Of the aggregate dividend declared and paid, $3.5 million was attributable to the dividend periods ending November 15, 2009 through May 15, 2011 and $172,000 was for interest on the deferred dividend payments, that have been previously accrued. The balance of $500,000 was the dividend payable for the period ending August 15, 2011. As a result of the dividend payment, the Company is current with respect to dividends accrued and owed to the U.S. Treasury.

        On June 21, 2010, the Company issued Series B Mandatorily Convertible Cumulative Perpetual Preferred Stock ("Series B Preferred Stock") and Series C Convertible Perpetual Preferred Stock ("Series C Preferred Stock") to a limited number of institutional investors for an aggregate amount of $75.0 million. HCC then downstreamed $40 million of the proceeds from the private placement to the capital of HBC.

        After receiving shareholder approval in September 2010, the outstanding Series B Preferred Stock converted into approximately 14.4 million shares of the Company's common stock. The Series C Preferred Stock remains outstanding until converted to common stock upon the transfer of the Series C Preferred Stock in accordance with its terms. Holders of Series C Preferred Stock will receive dividends if and only to the extent dividends are paid to holders of common stock.

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Table of Contents

        We have supported our growth through the issuance of trust preferred securities from special purpose trusts and accompanying sales of subordinated debt to these trusts. The subordinated debt that we issued to the trusts is senior to our shares of common stock, Series A Preferred Stock, and Series C Preferred Stock. As a result, we must make payments on the subordinated debt before any dividends can be paid on our common stock, Series A Preferred Stock, and Series C Preferred Stock. Under the terms of the subordinated debt, we may defer interest payments for up to five years. On November 6, 2009, we exercised our right to defer regularly scheduled interest payments on our $23.7 million of subordinated debt relating to our trust preferred securities. During the second quarter of 2011, the Company paid all the deferred interest payments on its outstanding trust preferred subordinated debt securities in the amount of $3.9 million that it had previously accrued.

        At September 30, 2011, HBC's total risk-based capital ratio was 19.9%, compared to the 10% regulatory requirement for well-capitalized banks under the regulatory framework for prompt corrective actions. HBC's Tier 1 risk-based capital ratio of 18.7% and leverage ratio of 14.2% at September 30, 2011 also exceeded regulatory guidelines for well-capitalized banks under the prompt corrective actions framework. On a consolidated basis, the Company has a total risk-based capital ratio of 22.3%, a Tier 1 risk-based capital ratio of 21.1%, and a leverage ratio of 16.0% at September 30, 2011.

RESULTS OF OPERATIONS

        The Company earns income from two primary sources. The first is net interest income, which is interest income generated by earning assets less interest expense on interest-bearing liabilities. The second is noninterest income, which primarily consists of gains on the sale of loans, loan servicing fees, customer service charges and fees, the increase in cash surrender value of life insurance, and gains on the sale of securities. The majority of the Company's noninterest expenses are operating costs that relate to providing a full range of banking services to our customers.

Net Interest Income and Net Interest Margin

        The level of net interest income depends on several factors in combination, including yields on earning assets, the cost of interest-bearing liabilities, the relative volumes of earning assets and interest-bearing liabilities, and the mix of products which comprise the Company's earning assets, deposits, and other interest-bearing liabilities. To maintain its net interest margin, the Company must manage the relationship between interest earned and paid.The following Distribution, Rate and Yield table presents the average amounts outstanding for the major categories of the Company's balance sheet, the average interest rates earned or paid thereon, and the resulting net interest margin on average interest earning assets for the periods indicated. Average balances are based on daily averages.

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Distribution, Rate and Yield

 
  For the Three Months Ended September 30, 2011   For the Three Months Ended September 30, 2010  
NET INTEREST INCOME AND
NET INTEREST MARGIN
  Average
Balance
  Interest
Income/
Expense
  Average
Yield/
Rate
  Average
Balance
  Interest
Income/
Expense
  Average
Yield/
Rate
 
 
  (Dollars in thousands)
 

Assets:

                                     

Loans, gross(1)

  $ 789,378   $ 10,530     5.29 % $ 936,917   $ 12,041     5.10 %

Securities

    317,908     2,457     3.07 %   146,061     1,246     3.38 %

Federal funds sold and interest-bearing deposits in other financial institutions

    51,301     33     0.26 %   136,451     74     0.22 %
                               
 

Total interest earning assets

    1,158,587     13,020     4.46 %   1,219,429     13,361     4.35 %
                                   

Cash and due from banks

    21,662                 21,434              

Premises and equipment, net

    8,053                 8,677              

Goodwill and other intangible assets

    2,698                 3,249              

Other assets

    67,084                 69,470              
                                   
 

Total assets

  $ 1,258,084               $ 1,322,259              
                                   

Liabilities and shareholders' equity:

                                     

Deposits:

                                     
   

Demand, noninterest-bearing

  $ 340,023               $ 266,190              
   

Demand, interest-bearing

    131,667     57     0.17 % $ 157,501     87     0.22 %
   

Savings and money market

    282,368     195     0.27 %   290,711     343     0.47 %
   

Time deposits—under $100

    31,270     54     0.69 %   38,316     125     1.29 %
   

Time deposits—$100 and over

    115,617     272     0.93 %   135,204     470     1.38 %
   

Time deposits—CDARS

    14,293     13     0.36 %   17,624     32     0.72 %
   

Time deposits—brokered

    93,666     261     1.11 %   151,359     872     2.29 %
                               
 

Total interest-bearing deposits

    668,881     852     0.51 %   790,715     1,929     0.97 %
                               
 

Total interest-bearing liabilities

    1,008,904     852     0.34 %   1,056,905     1,929     0.72 %

Subordinated debt

   
23,702
   
468
   
7.83

%
 
23,702
   
473
   
7.92

%

Securities sold under agreement to repurchase

            N/A     17,663     97     2.18 %

Short-term borrowings

            N/A     3,601     31     3.42 %
                               
 

Total interest-bearing liabilities

    692,583     1,320     0.76 %   835,681     2,530     1.20 %
                               
 

Total interest-bearing liabilities and demand, noninterest-bearing / cost of funds

    1,032,606     1,320     0.51 %   1,101,871     2,530     0.91 %

Other liabilities

    34,841                 32,794              
                                   
 

Total liabilities

    1,067,447                 1,134,665              

Shareholders' equity

    190,637                 187,594              
                                   
 

Total liabilities and shareholders' equity

  $ 1,258,084               $ 1,322,259              
                                   
                                   

Net interest income / margin

        $ 11,700     4.01 %       $ 10,831     3.52 %
                                   

(1)
Includes loans held-for-sale. Yield amounts earned on loans include loan fees and costs. Nonaccrual loans are included in average balance.

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  For the Nine Months Ended September 30, 2011   For the Nine Months Ended September 30, 2010  
NET INTEREST INCOME AND
NET INTEREST MARGIN
  Average
Balance
  Interest
Income/
Expense
  Average
Yield/
Rate
  Average
Balance
  Interest
Income/
Expense
  Average
Yield/
Rate
 
 
  (Dollars in thousands)
 

Assets:

                                     

Loans, gross(1)

  $ 813,132   $ 32,205     5.30 % $ 1,000,791   $ 37,952     5.07 %

Securities

    281,156     6,697     3.18 %   140,843     3,868     3.67 %

Federal funds sold and interest-bearing deposits in other financial institutions

    63,187     119     0.25 %   65,510     100     0.20 %
                               
 

Total interest earning assets

    1,157,475     39,021     4.51 %   1,207,144     41,920     4.64 %
                                   

Cash and due from banks

    21,052                 21,148              

Premises and equipment, net

    8,180                 8,818              

Goodwill and other intangible assets

    2,828                 31,858              

Other assets

    68,022                 67,301              
                                   
 

Total assets

  $ 1,257,557               $ 1,336,269              
                                   

Liabilities and shareholders' equity:

                                     

Deposits:

                                     

Demand, noninterest-bearing

  $ 328,302               $ 259,879              
   

Demand, interest-bearing

    133,153     189     0.19 %   152,505     256     0.22 %
   

Savings and money market

    277,049     721     0.35 %   295,617     1,105     0.50 %
   

Time deposits—under $100

    32,216     186     0.77 %   38,794     407     1.40 %
   

Time deposits—$100 and over

    123,732     1,033     1.12 %   133,223     1,438     1.44 %
   

Time deposits—CDARS

    18,998     62     0.44 %   18,609     133     0.96 %
   

Time deposits—brokered

    93,615     1,000     1.43 %   168,559     3,112     2.47 %
                               
 

Total interest-bearing deposits

    678,763     3,191     0.63 %   807,307     6,451     1.07 %
                               
 

Total interest-bearing liabilities

    1,007,065     3,191     0.42 %   1,067,186     6,451     0.81 %

Subordinated debt

   
23,702
   
1,400
   
7.90

%
 
23,702
   
1,407
   
7.94

%

Securities sold under agreement to repurchase

    952     24     3.37 %   20,110     341     2.27 %

Short-term borrowings

    1,236     38     4.11 %   9,867     93     1.26 %
                               
 

Total interest-bearing liabilities

    704,653     4,653     0.88 %   860,986     8,292     1.29 %
                               
 

Total interest-bearing liabilities and demand, noninterest-bearing / cost of funds

    1,032,955     4,653     0.60 %   1,120,865     8,292     0.99 %

Other liabilities

    38,239                 35,504              
                                   
 

Total liabilities

    1,071,194                 1,156,369              

Shareholders' equity

    186,363                 179,900              
                                   
 

Total liabilities and shareholders' equity

  $ 1,257,557               $ 1,336,269              
                                   
                                   

Net interest income / margin

        $ 34,368     3.97 %       $ 33,628     3.72 %
                                   

(1)
Includes loans held-for-sale. Yield amounts earned on loans include loan fees and costs. Nonaccrual loans are included in average balance.

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Volume and Rate Variances

        The Volume and Rate Variances table below sets forth the dollar difference in interest earned and paid for each major category of interest-earning assets and interest-bearing liabilities for the noted periods, and the amount of such change attributable to changes in average balances (volume) or changes in average interest rates. Volume variances are equal to the increase or decrease in the average balance times the prior period rate, and rate variances are equal to the increase or decrease in the average rate times the prior period average balance. Variances attributable to both rate and volume changes are equal to the change in rate times the change in average balance and are included below in the average volume column.

 
  Three Months Ended September 30,
2011 vs. 2010
Increase (Decrease)
Due to Change In:
 
 
  Average Volume   Average Rate   Net Change  
 
  (Dollars in thousands)
 

Income from interest earning assets:

                   
 

Loans, gross

  $ (1,963 ) $ 452   $ (1,511 )
 

Securities

    1,327     (116 )   1,211  
 

Federal funds sold and interest-bearing deposits in other financial institutions

    (56 )   15     (41 )
               
   

Total interest income from interest earnings assets

    (692 )   351     (341 )
               

Expense on interest-bearing liabilities:

                   
 

Demand, interest-bearing

    (10 )   (20 )   (30 )
 

Savings and money market

    (3 )   (145 )   (148 )
 

Time deposits—under $100

    (13 )   (58 )   (71 )
 

Time deposits—$100 and over

    (45 )   (153 )   (198 )
 

Time deposits—CDARS

    (3 )   (16 )   (19 )
 

Time deposits—brokered

    (162 )   (449 )   (611 )
 

Subordinated debt

        (5 )   (5 )
 

Securities sold under agreement to repurchase

    (97 )       (97 )
 

Short-term borrowings

    (31 )       (31 )
               
   

Total interest expense on interest-bearing liabilities

    (364 )   (846 )   (1,210 )
               
     

Net interest income

  $ (328 ) $ 1,197   $ 869  
               

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  Nine Months Ended September 30,
2011 vs. 2010
Increase (Decrease)
Due to Change In:
 
 
  Average
Volume
  Average
Rate
  Net
Change
 
 
  (Dollars in thousands)
 

Income from interest earning assets:

                   
 

Loans, gross

  $ (7,467 ) $ 1,720   $ (5,747 )
 

Securities

    3,347     (518 ) $ 2,829  
 

Federal funds sold and interest-bearing deposits in other financial institutions

    (3 )   22   $ 19  
               
   

Total interest income from interest earnings assets

    (4,123 )   1,224     (2,899 )
               

Expense on interest-bearing liabilities:

                   
 

Demand, interest-bearing

    (28 )   (39 )   (67 )
 

Savings and money market

    (53 )   (331 )   (384 )
 

Time deposits—under $100

    (37 )   (184 )   (221 )
 

Time deposits—$100 and over

    (83 )   (322 )   (405 )
 

Time deposits—CDARS

    1     (72 )   (71 )
 

Time deposits—brokered

    (803 )   (1,309 )   (2,112 )
 

Subordinated debt

        (7 )   (7 )
 

Securities sold under agreement to repurchase

    (483 )   166     (317 )
 

Short-term borrowings

    (265 )   210     (55 )
               
   

Total interest expense on interest-bearing liabilities

    (1,751 )   (1,888 )   (3,639 )
               
     

Net interest income

  $ (2,372 ) $ 3,112   $ 740  
               

        The Company's net interest margin, expressed as a percentage of average earning assets, was 4.01% for the third quarter of 2011, an increase of 49 basis points from 3.52% for the third quarter a year ago. For the nine months ended September 30, 2011, the net interest margin increased to 3.97% compared to 3.72% for the same period in 2010, primarily as a result of lower deposit and borrowing costs. The increase in the net interest margin for the third quarter and the nine months ended September 30, 2011 was principally due to a lower cost of deposits as a result of higher noninterest-bearing demand deposit balances and a lower level of nonaccrual loans.

        Net interest income in the third quarter of 2011 increased 8% to $11.7 million, compared to $10.8 million in the third quarter of 2010. Net interest income for the nine months ended September 30, 2011 increased 2% to $34.4 million, compared to $33.6 million for the nine months ended September 30, 2010. The increase in net interest income was primarily due to an increase in the average balance of investment securities, partially offset by a decrease in average loans.

        A substantial portion of the Company's earning assets are variable-rate loans that re-price when the Company's prime lending rate is changed, versus a large base of core deposits that are generally slower to re-price. This causes the Company's balance sheet to be asset-sensitive, which means that all else being equal, the Company's net interest margin will be lower during periods when short-term interest rates are falling and higher when rates are rising.

Provision for Loan Losses

        Credit risk is inherent in the business of making loans. The Company establishes an allowance for loan losses through charges to earnings, which are shown in the statements of operations as the

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provision for loan losses. Specifically identifiable and quantifiable known losses are promptly charged off against the allowance. The provision for loan losses is determined by conducting a quarterly evaluation of the adequacy of the Company's allowance for loan losses and charging the shortfall, if any, to the current quarter's expense. This has the effect of creating variability in the amount and frequency of charges to the Company's earnings. The provision for loan losses and level of allowance for each period are dependent upon many factors, including loan growth, net charge-offs, changes in the composition of the loan portfolio, delinquencies, management's assessment of the quality of the loan portfolio, the valuation of problem loans and the general economic conditions in the Company's market area.

        The Company had a provision for loan losses of $1.5 million for the quarter ended September 30, 2011 and $3.2 million for the nine months ended September 30, 2011. The Company had a provision for loan losses of $2.1 million for the quarter ended September 30, 2010 and $25.8 million for the nine months ended September 30, 2010.

        The allowance for loan losses represented 2.71%, 2.85% and 2.98% of total loans at September 30, 2011, September 30, 2010, and December 31, 2010, respectively. Provisions for loan losses are charged to operations to bring the allowance for loan losses to a level deemed appropriate by the Company based on the factors discussed under "Allowance for Loan Losses".

Noninterest Income

        The following table sets forth the various components of the Company's noninterest income for the periods indicated:

 
  For the Three Months Ended
September 30,
  Increase (decrease)
2011 versus 2010
 
 
  2011   2010   Amount   Percent  
 
  (Dollars in thousands)
 

Service charges and fees on deposit accounts

  $ 605   $ 536   $ 69     13 %

Servicing income

    434     442     (8 )   -2 %

Increase in cash surrender value of life insurance

    426     428     (2 )   0 %

Gain on sale of SBA loans

    268     429     (161 )   -38 %

Gain on sale of securities

        1,492     (1,492 )   -100 %

Loss on sale of other loans

        (887 )   887     -100 %

Other

    179     288     (109 )   -38 %
                     
 

Total noninterest income

  $ 1,912   $ 2,728   $ (816 )   -30 %
                     

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  For the Nine Months Ended
September 30,
  Increase (decrease)
2011 versus 2010
 
 
  2011   2010   Amount   Percent  
 
  (Dollars in thousands)
 

Service charges and fees on deposit accounts

  $ 1,759   $ 1,664   $ 95     6 %

Servicing income

    1,280     1,288     (8 )   -1 %

Increase in cash surrender value of life insurance

    1,270     1,249     21     2 %

Gain on sale of SBA loans

    1,124     707     417     59 %

Gain on sale of securities

        1,492     (1,492 )   -100 %

Loss on sale of other loans

        (887 )   887     -100 %

Other

    566     777     (211 )   -27 %
                     
 

Total noninterest income

  $ 5,999   $ 6,290   $ (291 )   -5 %
                     

        The decrease in noninterest income in third quarter and first nine months of 2011 compared to the same periods in 2010 was primarily attributable to a $1.5 million gain on the sale of securities, which was partially offset by an $887,000 loss on sale of other loans in the third quarter of 2010.

        A portion of the Company's noninterest income is associated with its SBA lending activity, consisting of gains on sale of loans sold in the secondary market and servicing income from loans sold with servicing retained. Prior to February 15, 2011, when the Company sold SBA loans to third parties, the loans were subject to a 90 day SBA warranty. In accordance with generally accepted accounting principles, the Company treated the SBA loans sold as secured borrowings during the warranty period. Effective February 15, 2011, the SBA no longer required a warranty period in loan sales agreements. Therefore, gains on loan sales completed after February 15, 2011 were recognized upon completion of the transaction. For the nine months ended September 30, 2011, SBA loan sales resulted in an $1.1 million gain, compared to a $707,000 gain on sale of SBA loans for the nine months ended September 30, 2010. The servicing assets that result from the sale of SBA loans with servicing retained, are amortized over the expected term of the loans using a method approximating the interest method. Servicing income generally declines as the respective loans are repaid.

        Other sources of noninterest income include loan servicing fees, service charges and fees, and cash surrender value from company owned life insurance policies.

        The increase in cash surrender value of life insurance approximates a 3.89% after tax yield on the policies. To realize this tax advantaged yield, the policies must be held until death of the insured individuals, who are current and former officers and directors of the Company.

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Noninterest Expense

        The following table sets forth the various components of the Company's noninterest expense for the periods indicated:

 
  For the Three Months Ended
September 30,
  Increase (decrease)
2011 versus 2010
 
 
  2011   2010   Amount   Percent  
 
  (Dollars in thousands)
 

Salaries and employee benefits

  $ 5,000   $ 5,272   $ (272 )   -5 %

Occupancy and equipment

    1,012     1,081     (69 )   -6 %

Professional fees

    707     780     (73 )   -9 %

Low income housing investment losses

    617     214     403     188 %

Software subscriptions

    256     261     (5 )   -2 %

Data processing

    234     188     46     24 %

Insurance expense

    232     241     (9 )   -4 %

FDIC deposit insurance premiums

    167     849     (682 )   -80 %

Other real estate owned expense

    84     49     35     71 %

Write-down of loans held-for-sale

        1,080     (1,080 )   -100 %

Other

    1,500     1,233     267     22 %
                     
 

Total noninterest expense

  $ 9,809   $ 11,248   $ (1,439 )   -13 %
                     

 

 
  For the Nine Months Ended
September 30,
  Increase (decrease)
2011 versus 2010
 
 
  2011   2010   Amount   Percent  
 
  (Dollars in thousands)
 

Salaries and employee benefits

  $ 15,504   $ 16,645   $ (1,141 )   -7 %

Occupancy and equipment

    3,082     3,023     59     2 %

Professional fees

    2,002     3,202     (1,200 )   -37 %

Low income housing investment losses

    820     572     248     43 %

Software subscriptions

    785     747     38     5 %

Data processing

    653     619     34     5 %

Insurance expense

    718     765     (47 )   -6 %

FDIC deposit insurance premiums

    1,074     3,059     (1,985 )   -65 %

Other real estate owned expense

    231     537     (306 )   -57 %

Write-down of loans held-for-sale

    29     1,080     (1,051 )   -97 %

Impairment of goodwill

        43,181     (43,181 )   -100 %

Other

    4,814     4,568     246     5 %
                     
 

Total noninterest expense

  $ 29,712   $ 77,998   $ (48,286 )   -62 %
                     

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        The following table indicates the percentage of noninterest expense in each category for the periods indicated:

    Noninterest Expense by Category

 
  For The Three Months Ended
September 30,
 
 
  2011   Percent
of Total
  2010   Percent
of Total
 
 
  (Dollars in thousands)
 

Salaries and employee benefits

  $ 5,000     51 % $ 5,272     47 %

Occupancy and equipment

    1,012     10 %   1,081     10 %

Professional fees

    707     7 %   780     7 %

Low income housing investment losses

    617     6 %   214     2 %

Software subscriptions

    256     3 %   261     2 %

Data processing

    234     3 %   188     2 %

Insurance expense

    232     2 %   241     2 %

FDIC deposit insurance premiums

    167     2 %   849     7 %

Other real estate owned expense

    84     1 %   49     0 %

Writedown of loans held-for-sale

        0 %   1,080     10 %

Other

    1,500     15 %   1,233     11 %
                   
 

Total noninterest expense

  $ 9,809     100 % $ 11,248     100 %
                   

 

 
  For The Nine Months Ended
September 30,
 
 
  2011   Percent
of Total
  2010   Percent
of Total
 
 
  (Dollars in thousands)
 

Salaries and employee benefits

  $ 15,504     52 % $ 16,645     21 %

Occupancy and equipment

    3,082     10 %   3,023     4 %

Professional fees

    2,002     7 %   3,202     4 %

Low income housing investment losses

    820     3 %   572     1 %

Software subscriptions

    785     3 %   747     1 %

Data processing

    653     2 %   619     1 %

Insurance expense

    718     2 %   765     1 %

FDIC deposit insurance premiums

    1,074     4 %   3,059     4 %

Other real estate owned expense

    231     1 %   537     1 %

Writedown of loans held-for-sale

    29     0 %   1,080     1 %

Impairment of goodwill

        0 %   43,181     55 %

Other

    4,814     16 %   4,568     6 %
                   
 

Total noninterest expense

  $ 29,712     100 % $ 77,998     100 %
                   

        Noninterest expense for the third quarter of 2011 declined 13% to $9.8 million, compared to $11.2 million for the third quarter of 2010, primarily due to a $1.1 million write-down on loans held-for-sale in the third quarter of 2010, a decrease in salaries and benefits expense and lower FDIC insurance premiums. This was partially offset by an increase in investment losses on the Company's low income housing investments. Salaries and employee benefits decreased $272,000, or 5%, for the third quarter of 2011 from the same period in 2010, primarily due to a reduction in staff implemented in the fourth quarter of 2010. Full-time equivalent employees were 190 and 204 at September 30, 2011 and 2010, respectively. FDIC deposit insurance premiums decreased $682,000, or 80%, to $167,000 for the third quarter of 2011, compared to $849,000 for the same period in 2010, due to a decrease in the FDIC deposit assessment rate. The Company's low income housing investment losses increased

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$403,000, or 188%, to $617,000 in the third quarter of 2011, compared to $214,000 in the third quarter of 2010.

        Noninterest expense for the nine months ended September 30, 2011 declined 15% to $29.7 million, compared to $34.8 million (excluding the $43.2 million impairment of goodwill) for the nine months ended September 30, 2010. The decrease in noninterest for the nine months ended September 30, 2011 was primarily due to the $1.1 million write-down on loans held-for-sale included for the nine months ended September 30, 2010, and a decrease in salaries and benefits expense, lower professional fees and lower FDIC insurance premiums. This was partially offset by an increase in investment losses on the Company's low income housing investments. Salaries and employee benefits decreased $1.1 million, or 7%, for the nine months ended September 30, 2011 from the same period in 2010, primarily due to a reduction in staff implemented in the fourth quarter of 2010. Professional fees decreased $1.2 million, or 37%, for the nine months ended September 30, 2011 from the same period in 2010 primarily due to a decrease in legal fees related to loan workouts and litigation and decreased expenses for bank regulatory compliance. FDIC deposit insurance premiums decreased $2.0 million, or 65%, for the nine months ended September 30, 2011 compared to the same period in 2010, due to a decrease in the FDIC deposit assessment rate. OREO expense decreased $306,000 or 57%, for the nine months ended September 30, 2011, compared to the same period in 2010 due to a decrease in write-downs of OREO properties. The Company's low income housing investment losses increased $248,000, or 43%, to $820,000 for the nine months ended September 30, 2011, compared to $572,000 for the nine months ended September 30, 2010.

Income Tax Expense

        The Company computes its provision for income taxes on a monthly basis. The effective tax rate is determined by applying the Company's statutory income tax rates to pre-tax book income as adjusted for permanent differences between pre-tax book income and actual taxable income. These permanent differences include, but are not limited to, tax-exempt interest income, increases in the cash surrender value of life insurance policies, California Enterprise Zone deductions, certain expenses that are not allowed as tax deductions, and tax credits.

        The Company's Federal and state income tax benefit for the quarter and nine months ended 2011 was $2.5 million and $1.1 million, respectively. The income tax benefit for the third quarter and first nine months of 2011 included the $3.0 million reduction of the partial valuation allowance for deferred tax assets. The income tax benefit was $398,000 and $6.3 million for the same periods in 2010. The following table shows the Company's effective income tax rates for the periods indicated:

 
  For the Three Months Ended
September 30,
  For the Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  

Effective income tax rate

    -110.5 %   -157.3 %   -14.4 %   -9.8 %

        The difference in the effective tax rate compared to the combined Federal and state statutory tax rate of 42% is primarily the result of the Company's investment in life insurance policies whose earnings are not subject to taxes and tax credits related to investments in low income housing limited partnerships.

        The Company has total investments of $3.9 million in low-income housing limited partnerships as of September 30, 2011. These investments have generated annual tax credits of approximately $1.0 million and $1.1 million in the years ended December 31, 2010 and 2009, respectively.

        Some items of income and expense are recognized in different years for tax purposes than when applying generally accepted accounting principles, leading to timing differences between the Company's actual tax liability and the amount accrued for this liability based on book income. These temporary

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differences comprise the "deferred" portion of the Company's tax expense or benefit, which is accumulated on the Company's books as a deferred tax asset or deferred tax liability until such time as they reverse.

        Realization of the Company's deferred tax assets is primarily dependent upon the Company generating sufficient future taxable income to obtain benefit from the reversal of net deductible temporary differences and utilization of tax credit carryforwards and the net operating loss carryforwards for Federal and California state income tax purposes. The amount of deferred tax assets considered realizable is subject to adjustment in future periods based on estimates of future taxable income. Under generally accepted accounting principles, a valuation allowance is required to be recognized if it is "more likely than not" that a deferred tax asset will not be realized. The determination of the realizability of the deferred tax assets is highly subjective and dependent upon judgment concerning management's evaluation of both positive and negative evidence, including forecasts of future income, cumulative losses, applicable tax planning strategies, and assessments of current and future economic and business conditions.

        The Company had net deferred tax assets of $27.4 million, net of a $3.7 million partial valuation allowance, as of December 31, 2010. In analyzing the deferred tax assets as of September 30, 2011, based on the factors above, the Company estimated it was more likely than not that the Company will realize approximately $21.1 million of the benefits of the deductible differences, and therefore, a $700,000 partial valuation allowance for deferred tax assets was recorded as of September 30, 2011. The income tax benefit of $2.5 million for the third quarter of 2011, and $1.1 million for the nine months ended September 30, 2011, are net of the $3.0 million reduction in the partial valuation allowance from $3.7 million as of December 31, 2010 to $700,000 as of September 30, 2011.

49


FINANCIAL CONDITION

        As of September 30, 2011, total assets decreased to $1.25 billion, compared to $1.33 billion at September 30, 2010, and remained relatively flat compared to December 31, 2010. Total securities available-for-sale (at fair value) were $312.1 million at September 30, 2011, an increase of 180% from $111.5 million at September 30, 2010, and an increase of 34% from $232.2 million at December 31, 2010. The total loan portfolio, excluding loans held-for-sale, was $776.7 million at September 30, 2011, a decrease of 12% from $886.6 million at September 30, 2010, and a decrease of 8% from $846.0 million at December 31, 2010. Total deposits decreased 6% to $1.01 billion at September 30, 2011, from $1.07 billion at September 30, 2010. Total deposits increased 1% when compared to $993.9 million at December 31, 2010. There were no securities sold under agreement to repurchase at September 30, 2011, compared to $15.0 million at September 30, 2010, and $5.0 million at December 31, 2010.

Securities Portfolio

        The following table reflects the estimated fair values for each category of securities at the dates indicated:

 
  September 30,    
 
 
  December 31,
2010
 
 
  2011   2010  
 
  (Dollars in thousands)
 

Securities available-for-sale (at fair value)

                   
 

Agency Mortgage-Backed Securities

  $ 312,125   $ 111,322   $ 232,165  
 

Collateralized Mortgage Obligations

        137      
               
   

Total

  $ 312,125   $ 111,459   $ 232,165  
               

        The following table summarizes the weighted average life and weighted average yields of securities at September 30, 2011:

 
  Weighted Average Life  
 
  Within One
Year
  After One and
Within Five
Years
  After Five and
Within Ten
Years
  After Ten Years   Total  
 
  Amount   Yield   Amount   Yield   Amount   Yield   Amount   Yield   Amount   Yield  
 
  (Dollars in thousands)
 

Securities available-for-sale (at fair value):

                                                             
 

Agency Mortgage-Backed Securities

  $       $ 144,827     3.04 % $ 148,853     3.32 % $ 18,445     3.87 % $ 312,125     3.22 %
                                                     

        The securities portfolio is the second largest component of the Company's interest-earning assets, and the structure and composition of this portfolio is important to any analysis of the financial condition of the Company. The portfolio serves the following purposes: (i) it provides a source of pledged assets for securing certain deposits and borrowed funds, as may be required by law or by specific agreement with a depositor or lender; (ii) it can be used as an interest rate risk management tool, since it provides a large base of assets, the maturity and interest rate characteristics of which can be changed more readily than the loan portfolio to better match changes in the deposit base and other funding sources of the Company; and (iii) it is an alternative interest-earning use of funds when loan demand is low or when deposits grow more rapidly than loans.

        The Company's securities are all currently classified under existing accounting rules as "available-for-sale" to allow flexibility for the management of the portfolio. Accounting guidance requires available-for-sale securities to be marked to fair value with an offset to accumulated other

50



comprehensive income (loss), a component of shareholders' equity. Monthly adjustments are made to reflect changes in the fair value of the Company's available-for-sale securities.

        The Company's portfolio is historically comprised primarily of: (i) U.S. Treasury securities and U.S. Government sponsored entities' debt securities for liquidity and pledging; (ii) mortgage-backed securities, which in many instances can also be used for pledging, and which generally enhance the yield of the portfolio; (iii) municipal obligations, which provide tax free income and limited pledging potential; and (iv) collateralized mortgage obligations, which generally enhance the yield of the portfolio.

        The securities portfolio increased by $200.7 million, or 180%, and increased to 25% of total assets at September 30, 2011 from 8% of total assets at September 30, 2010, and increased by $80.0 million, or 34%, from December 31, 2010. The Company increased its holding of mortgage-back securities to offset a portion of the contraction in the loan portfolio.

Loans

        The Company's loans represent the largest portion of invested assets, substantially greater than the securities portfolio or any other asset category, and the quality and diversification of the loan portfolio is an important consideration when reviewing the Company's financial condition.

        Gross loans, excluding loans held-for-sale, represented 62% of total assets at September 30, 2011, as compared to 67% of total assets at September 30, 2010, and 68% of total assets at December 31, 2010. The ratio of loans to deposits decreased to 77.19% at September 30, 2011 from 83.24% at September 30, 2010 and 85.12% at December 31, 2010. Demand for loans has weakened within the Company's markets due to the current economic environment, and the Company has been more selective with respect to the types of loans the Company chooses to originate.

Loan Distribution

        The Loan Distribution table that follows sets forth the Company's gross loans, excluding loans held-for-sale, outstanding and the percentage distribution in each category at the dates indicated:

 
  September 30, 2011   September 30, 2010   December 31, 2010  
 
  Balance   % of Total   Balance   % of Total   Balance   % of Total  
 
  (Dollars in thousands)
 

Commercial

  $ 365,532     47 % $ 370,939     42 % $ 378,412     45 %

Real estate:

                                     
 

Commercial and residential

    310,722     40 %   353,565     40 %   337,457     40 %
 

Land and construction

    36,357     5 %   91,706     10 %   62,356     7 %
 

Home equity

    51,668     7 %   53,772     6 %   53,697     6 %

Consumer

    11,829     1 %   15,793     2 %   13,244     2 %
                           
   

Total loans

    776,108     100 %   885,775     100 %   845,166     100 %

Deferred loan costs

    576         841         883      
                           
 

Loans, including deferred costs

    776,684     100 %   886,616     100 %   846,049     100 %
                                 

Allowance for loan losses

    (21,049 )         (25,290 )         (25,204 )      
                                 

Loans, net

  $ 755,635         $ 861,326         $ 820,845        
                                 

        The Company's loan portfolio is concentrated in commercial loans, primarily manufacturing, wholesale, and services, and commercial real estate, with the balance in land development and construction and home equity and consumer loans. The decrease in the Company's loan portfolio in the third quarter of 2011 compared to the third and fourth quarters of 2010 is due to diminished loan

51



demand, and loan payoffs exceeding draw downs of loan commitments. Outstanding loan balances to total loan commitments were 74% at September 30, 2011, 75% at September 30, 2010 and 75% at December 31, 2010. The Company does not have any concentrations by industry or group of industries in its loan portfolio, however, 51% of its gross loans were secured by real property at September 30, 2011, compared to 56% at September 30, 2010, and 54% at December 31, 2010. While no specific industry concentration is considered significant, the Company's lending operations are located in areas that are dependent on the technology and real estate industries and their supporting companies.

        The Company's commercial loans are made for working capital, financing the purchase of equipment or for other business purposes. Commercial loans include loans with maturities ranging from thirty days to one year and "term loans" with maturities normally ranging from one to five years. Short-term business loans are generally intended to finance current transactions and typically provide for periodic principal payments, with interest payable monthly. Term loans normally provide for floating interest rates, with monthly payments of both principal and interest.

        The Company is an active participant in the SBA and U.S. Department of Agriculture guaranteed lending programs, and has been approved by the SBA as a lender under the Preferred Lender Program. The Company regularly makes such guaranteed loans (collectively referred to as "SBA loans"). The guaranteed portion of these loans is typically sold in the secondary market depending on market conditions. When the guaranteed portion of an SBA loan is sold, the Company retains the servicing rights for the sold portion. During the nine months ended September 30, 2011, loans were sold resulting in a gain on sale of SBA loans of $1.1 million.

        As of September 30, 2011, commercial and residential real estate mortgage loans of $310.7 million consist primarily of adjustable and fixed rate loans secured by deeds of trust on commercial and residential property. The real estate mortgage loans at September 30, 2011 consist of $161.6 million, or 52%, of commercial owner occupied properties, $145.9 million, or 47%, of commercial investment properties, and $3.2 million, or 1% in residential properties. Properties securing the commercial real estate mortgage loans are generally located in the Company's primary market, which is the Greater San Francisco Bay Area.

        The Company's commercial real estate loans consist primarily of loans based on the borrower's cash flow and are secured by deeds of trust on commercial and residential property to provide a secondary source of repayment. The Company generally restricts real estate term loans to no more than 75% of the property's appraised value or the purchase price of the property during the initial underwriting of the credit, depending on the type of property and its utilization. The Company offers both fixed and floating rate loans. Maturities on real estate mortgage loans are generally between five and ten years (with amortization ranging from fifteen to twenty-five years and a balloon payment due at maturity); however, SBA and certain other real estate loans that can be sold in the secondary market may be granted for longer maturities.

        The Company's land and construction loans are primarily to finance the development/construction of commercial and single family residential properties. The Company utilizes underwriting guidelines to assess the likelihood of repayment from sources such as sale of the property or availability of permanent mortgage financing prior to making the construction loan. Land and construction loans decreased $55.3 million to $36.4 million, or 5% of total loans at September 30, 2011, from $91.7 million, or 10% of total loans at September 30, 2010, and decreased $26.0 million from $62.4 million, or 7% of total loans at December 31, 2010.

        The Company makes home equity lines of credit available to its existing customers. Home equity lines of credit are underwritten initially with a maximum 70% loan to value ratio. Home equity lines are reviewed at least semiannually, with specific emphasis on loans with a loan to value ratio greater than 70% and loans that were underwritten from mid-2005 through 2008, when real estate values were at the peak in the cycle. The Company takes measures to work with customers to reduce line

52



commitments and minimize potential losses. There have been no adverse classifications to date as a result of the review.

        Additionally, the Company makes consumer loans for the purpose of financing automobiles, various types of consumer goods, and other personal purposes. Consumer loans generally provide for the monthly payment of principal and interest. Most of the Company's consumer loans are secured by the personal property being purchased or, in the instances of home equity loans or lines, real property.

        With certain exceptions, state chartered banks are permitted to make extensions of credit to any one borrowing entity up to 15% of the bank's capital and reserves for unsecured loans and up to 25% of the bank's capital and reserves for secured loans. For HBC, these lending limits were $32.1 million and $53.6 million at September 30, 2011, respectively.

Loan Maturities

        The following table presents the maturity distribution of the Company's loans (excluding loans held-for-sale) as of September 30, 2011. The table shows the distribution of such loans between those loans with predetermined (fixed) interest rates and those with variable (floating) interest rates. Floating rates generally fluctuate with changes in the prime rate as reflected in the Western Edition of The Wall Street Journal. As of September 30, 2011, approximately 67% of the Company's loan portfolio consisted of floating interest rate loans.

 
  Due in
One Year
or Less
  Over One
Year But
Less than
Five Years
  Over
Five Years
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 248,779   $ 36,769   $ 79,984   $ 365,532  

Real estate:

                         
 

Commercial and residential

    86,493     187,255     36,974     310,722  
 

Land and construction

    34,747     139     1,471     36,357  
 

Home equity

    49,510     491     1,667     51,668  

Consumer

    11,382     447         11,829  
                   
   

Loans

  $ 430,911   $ 225,101   $ 120,096   $ 776,108  
                   

Loans with variable interest rates

  $ 387,980   $ 52,991   $ 76,392   $ 517,363  

Loans with fixed interest rates

    42,931     172,110     43,704     258,745  
                   
   

Loans

  $ 430,911   $ 225,101   $ 120,096   $ 776,108  
                   

Loan Servicing

        As of September 30, 2011 and 2010, $172.6 million and $170.2 million, respectively, in SBA loans were serviced by the Company for others. Activity for loan servicing rights was as follows:

 
  For the Three Months Ended
September 30,
  For the Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  
 
  (Dollars in thousands)
  (Dollars in thousands)
 

Beginning of period balance

  $ 836   $ 956   $ 915   $ 1,067  

Additions

    67     153     222     281  

Amortization

    (103 )   (115 )   (337 )   (354 )
                   
 

End of period balance

  $ 800   $ 994   $ 800   $ 994  
                   

53


        Loan servicing rights are included in accrued interest receivable and other assets on the unaudited consolidated balance sheets and reported net of amortization. There was no valuation allowance as of September 30, 2011 and 2010, as the fair value of the assets was greater than the carrying value.

        Activity for the I/O strip receivable was as follows:

 
  For the Three Months Ended
September 30,
  For the Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  
 
  (Dollars in thousands)
   
   
 

Beginning of period balance

  $ 2,185   $ 2,060   $ 2,140   $ 2,116  

Amortization

    (18 )   (61 )   (96 )   (189 )

Unrealized holding gain

    13     116     136     188  
                   
 

End of period balance

  $ 2,180   $ 2,115   $ 2,180   $ 2,115  
                   

        Financial institutions generally have a certain level of exposure to credit quality risk, and could potentially receive less than a full return of principal and interest if a debtor becomes unable or unwilling to repay. Since loans are the most significant assets of the Company and generate the largest portion of its revenues, the Company's management of credit quality risk is focused primarily on loan quality. Banks have generally suffered their most severe earnings declines as a result of customers' inability to generate sufficient cash flow to service their debts and/or downturns in national and regional economies and declines in overall asset values including real estate. In addition, certain debt securities that the Company may purchase have the potential of declining in value if the obligor's financial capacity to repay deteriorates.

        The Company's policies and procedures identify market segments, set goals for portfolio growth or contraction, and establish limits on industry and geographic credit concentrations. In addition, these policies establish the Company's underwriting standards and the methods of monitoring ongoing credit quality. The Company's internal credit risk controls are centered in underwriting practices, credit granting procedures, training, risk management techniques, and familiarity with loan customers as well as the relative diversity and geographic concentration of our loan portfolio.

        The Company's credit risk may also be affected by external factors such as the level of interest rates, employment, general economic conditions, real estate values, and trends in particular industries or geographic markets. As an independent community bank serving a specific geographic area, the Company must contend with the unpredictable changes in the general California market and, particularly, primary local markets. The Company's asset quality has suffered in the past from the impact of national and regional economic recessions, consumer bankruptcies, and depressed real estate values.

        Nonperforming assets are comprised of the following: loans and loans held-for-sale for which the Company is no longer accruing interest; restructured loans; loans 90 days or more past due and still accruing interest (although they are generally placed on nonaccrual when they become 90 days past due, unless they are both well-secured and in the process of collection); and OREO from foreclosures. Management's classification of a loan as "nonaccrual" is an indication that there is reasonable doubt as to the full recovery of principal or interest on the loan. At that point, the Company stops accruing interest income, and reverses any uncollected interest that had been accrued as income. The Company begins recognizing interest income only as cash interest payments are received and it has been determined the collection of all outstanding principal is not in doubt. The loans may or may not be collateralized, and collection efforts are pursued. Loans may be restructured by management when a borrower has experienced some change in financial status causing an inability to meet the original repayment terms and where the Company believes the borrower will eventually overcome those circumstances and make full restitution. OREO consists of properties acquired by foreclosure or similar

54



means that management is offering or will offer for sale. Total OREO was $1.2 million at September 30, 2011, compared to $657,000 at September 30, 2010 and $1.3 million at December 31, 2010. At September 30, 2011, the $20.5 million of nonperforming assets included $816,000 of SBA guaranteed loans.

        The following table summarizes the Company's nonperforming assets at the dates indicated:

 
  September 30,    
 
 
  December 31,
2010
 
 
  2011   2010  
 
  (Dollars in thousands)
 

Nonaccrual loans—held-for-sale

  $ 191   $ 4,552   $ 2,026  

Nonaccrual loans—held-for-investment

    16,419     41,757     28,821  

Restructured and loans over 90 days past due and still accruing

    2,656     2,687     2,492  
               
 

Total nonperforming loans

    19,266     48,996     33,339  

Other real estate owned

    1,229     657     1,296  
               
 

Total nonperforming assets

  $ 20,495   $ 49,653   $ 34,635  
               

Nonperforming assets as a percentage of loans plus other real estate owned plus nonaccruals loans held-for-sale

    2.63 %   5.57 %   4.08 %

Nonperforming assets as a percentage of total assets

    1.64 %   3.73 %   2.78 %

        The following table provides nonaccrual loans by loan type as of September 30, 2011:

 
  Nonaccrual   Restructured and
Loans Over 90 Days
Past Due and
Still Accruing
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 8,487   $ 2,206   $ 10,693  

Real estate:

                   
 

Commercial and residential

    1,285         1,285  
 

Land and construction

    6,831         6,831  
 

Home equity

             

Consumer

    7     450     457  
               
   

Total

  $ 16,610   $ 2,656   $ 19,266  
               

Allowance for Loan Losses

        The allowance for loan losses is an estimate of probable incurred losses in the loan portfolio. Loans are charged-off against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance for loan losses. Management's methodology for estimating the allowance balance consists of several key elements, which include specific allowances on individual impaired loans and the formula driven allowances on pools of loans with similar risk characteristics. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management's judgment, should be charged-off.

        Specific allowances are established for impaired loans. Management considers a loan to be impaired when it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the loan agreement, including scheduled interest payments. Loans for which the terms have been modified with a concession granted, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. When a loan is considered to be impaired, the amount of impairment is measured based on the fair

55



value of the collateral less costs to sell if the loan is collateral dependent, or on the present value of expected future cash flows or values that are observable in the secondary market. If the measure of the impaired loans is less than the investment in the loan, the deficiency will be charged off against the allowance for loan losses if the amount is a confirmed loss, or, alternatively, a specific allocation within the allowance will be established. Loans that are considered impaired are specifically excluded from the formula portion of the allowance for loan losses analysis.

        The estimated loss factors for pools of loans that are not impaired are based on determining the probability of default and loss given default for loans within each segment of the portfolio, adjusted for significant factors that, in management's judgment, affect collectibility as of the evaluation date. The Company's historical delinquency experience and loss experience are utilized to determine the probability of default and loss given default for segments of the portfolio where the Company has experienced losses in the past. For segments of the portfolio where the Company has no significant prior loss experience, the Company uses quantifiable observable industry data to determine the probability of default and loss given default.

        Loans that demonstrate a weakness for which there is a possibility of loss if the weakness is not corrected, are categorized as "classified." Classified assets include all loans considered as substandard, substandard-nonaccrual, and doubtful and may result from problems specific to a borrower's business or from economic downturns that affect the borrower's ability to repay or that cause a decline in the value of the underlying collateral (particularly real estate), and OREO. The principal balance of classified assets, net of SBA guarantees of $903,000, was $72.4 million at September 30, 2011, $116.5 million at September 30, 2010, and $91.8 million at December 31, 2010. Included in the $72.4 million of classified assets at September 30, 2011, were $421,000 of loans held-for-sale. Loans held-for-sale are carried at the lower of cost or estimated fair value, and are not allocated an allowance for loan losses. Reducing classified assets will continue to be a focus for executive management, the lending staff and the Company's Special Assets Department.

        It is the policy of management to maintain the allowance for loan losses at a level adequate for risks inherent in the loan portfolio. We have engaged an outside firm to perform independent credit reviews of our loan portfolio. The Federal Reserve Bank of San Francisco and the California Department of Financial Institutions also review the allowance for loan losses as an integral part of the examination process. Based on information currently available, management believes that the allowance for loan losses is adequate. However, the loan portfolio can be adversely affected if California economic conditions and the real estate market in the Company's market area were to further weaken. Also, any weakness of a prolonged nature in the technology industry would have a negative impact on the local market. The effect of such events, although uncertain at this time, could result in an increase in the level of nonperforming loans and increased loan losses, which could adversely affect the Company's future growth and profitability. No assurance of the ultimate level of credit losses can be given with any certainty.

56


        The following table summarizes the Company's loan loss experience, as well as provisions and charges to the allowance for loan losses and certain pertinent ratios for the periods indicated:

 
  Three Months Ended September 30, 2011   Three Months
Ended
September 30, 2010
Total
 
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Balance, beginning of period

  $ 13,992   $ 8,162   $ 1,013   $ 23,167   $ 26,753  

Charge-offs

    (3,042 )   (901 )       (3,943 )   (3,955 )

Recoveries

    283     25     2     310     434  
                       
 

Net charge-offs

    (2,759 )   (876 )   2     (3,633 )   (3,521 )

Provision for loan losses

    1,809     554     (848 )   1,515     2,058  
                       
 

Balance, end of period

  $ 13,042   $ 7,840   $ 167   $ 21,049   $ 25,290  
                       

RATIOS:

                               
 

Net charge-offs to average loans(1)

    1.40 %   0.44 %   0.00 %   1.84 %   1.53 %
 

Allowance for loan losses to total loans(1)

    1.68 %   1.01 %   0.02 %   2.71 %   2.85 %
 

Allowance for loan losses to nonperforming loans

    67.69 %   40.69 %   0.87 %   109.25 %   51.62 %

 

 
  Nine Months Ended September 30, 2011    
 
 
  Nine Months Ended
September 30, 2010
Total
 
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Balance, beginning of period

  $ 13,952   $ 10,363   $ 889   $ 25,204   $ 28,768  

Charge-offs

    (5,841 )   (2,497 )   (8 )   (8,346 )   (30,347 )

Recoveries

    513     436     3     952     1,115  
                       
   

Net charge-offs

    (5,328 )   (2,061 )   (5 )   (7,394 )   (29,232 )

Provision for loan losses

    4,418     (462 )   (717 )   3,239     25,754  
                       
   

Balance, end of period

  $ 13,042   $ 7,840   $ 167   $ 21,049   $ 25,290  
                       

RATIOS:

                               
   

Net charge-offs to average loans(1)

    0.89 %   0.34 %   0.00 %   1.23 %   3.97 %
 

Allowance for loan losses to total loans(1)

    1.68 %   1.01 %   0.02 %   2.71 %   2.85 %
 

Allowance for loan losses to nonperforming loans

    67.69 %   40.69 %   0.87 %   109.25 %   51.62 %

(1)
Average loans and total loans exclude loans held-for-sale.

        The Company's allowance for loan losses decreased $4.2 million at September 30, 2011 from September 30, 2010, and December 31, 2010. The decrease in the allowance for loan losses at September 30, 2011 was primarily due to a lower volume of classified and nonperforming loans and lower total loans.

        Net loans charged-off reflects the realization of losses in the portfolio that were partially recognized previously through provisions for loan losses. Net charge-offs were $7.4 million for the nine months ended September 30, 2011, compared to net charge-offs of $29.2 million for the nine months ended September 30, 2010, including $13.9 million of net charge-offs related to real estate loans transferred to "held-for-sale". Historical net loan charge-offs are not necessarily indicative of the amount of net charge-offs that the Company will realize in the future.

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        The following table provides a summary of the allocation of the allowance for loan losses for specific class at the dates indicated. The allocation presented should not be interpreted as an indication that charges to the allowance for loan losses will be incurred in these amounts or proportions, or that the portion of the allowance allocated to each category represents the total amount available for charge-offs that may occur within these classes.

Allocation of Allowance for Loan Losses

 
  September 30,   December 31,  
 
  2011   2010   2010  
 
  Allowance   Percent of
Loans
in each
category
to total
loans
  Allowance   Percent of
Loans
in each
category
to total
loans
  Allowance   Percent of
Loans
in each
category
to total
loans
 
 
  (Dollars in thousands)
 

Commercial

  $ 13,042     47 % $ 15,110     42 % $ 13,952     45 %

Real estate:

                                     
 

Commercial and residential

    4,981     40 %   3,765     40 %   5,500     40 %
 

Land and construction

    2,373     5 %   4,960     10 %   4,271     7 %
 

Home equity

    486     7 %   556     6 %   592     6 %

Consumer

    167     1 %   899     2 %   889     2 %
                           
 

Total

  $ 21,049     100 % $ 25,290     100 % $ 25,204     100 %
                           

Deposits

        The composition and cost of the Company's deposit base are important components in analyzing the Company's net interest margin and balance sheet liquidity characteristics, both of which are discussed in greater detail in other sections herein. The Company's liquidity is impacted by the volatility of deposits or other funding instruments or, in other words, by the propensity of that money to leave the institution for rate-related or other reasons. Deposits can be adversely affected if economic conditions in California, and the Company's market area in particular, continue to weaken. Potentially, the most volatile deposits in a financial institution are jumbo certificates of deposit, meaning time deposits with balances that equal or exceed $100,000, as customers with balances of that magnitude are typically more rate-sensitive than customers with smaller balances.

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        The following table summarizes the distribution of deposits and the percentage of distribution in each category of deposits for the periods indicated:

 
  September 30, 2011   September 30, 2010   December 31, 2010  
 
  Balance   % to Total   Balance   % to Total   Balance   % to Total  
 
  (Dollars in thousands)
 

Demand deposits, noninterest-bearing

  $ 344,470     34 % $ 269,482     25 % $ 280,258     28 %

Demand deposits, interest-bearing

    132,987     13 %   156,912     15 %   153,917     16 %

Savings and money market

    274,489     27 %   318,221     30 %   272,399     27 %

Time deposits—under $100

    30,858     3 %   38,909     4 %   33,499     3 %

Time deposits—$100 and over

    119,429     12 %   132,862     12 %   137,514     14 %

Time deposits—CDARS

    10,216     1 %   16,297     2 %   17,864     2 %

Time deposits—brokered

    93,685     10 %   132,435     12 %   98,467     10 %
                           
 

Total deposits

  $ 1,006,134     100 % $ 1,065,118     100 % $ 993,918     100 %
                           

        The Company obtains deposits from a cross-section of the communities it serves. The Company's business is not generally seasonal in nature. The Company is not dependent upon funds from sources outside the United States. At September 30, 2011 and 2010, less than 1% of deposits were from public sources, respectively.

        Noninterest-bearing demand deposit accounts increased $75.0 million, or 28%, at September 30, 2011 from September 30, 2010, and increased $64.2 million, or 23%, from December 31, 2010. At September 30, 2011, brokered deposits decreased $38.8 million, or 29%, to $93.7 million, compared to $132.4 million at September 30, 2010, decreased $4.8 million, or 5%, from $98.5 million at December 31, 2010.

        The following table indicates the contractual maturity schedule of the Company's time deposits of $100,000 and over, and all CDARS and brokered deposits as of September 30, 2011:

 
  Balance   % of Total  
 
  (Dollars in thousands)
 

Three months or less

  $ 73,519     33 %

Over three months through six months

    30,171     13 %

Over six months through twelve months

    36,949     17 %

Over twelve months

    82,691     37 %
           
 

Total

  $ 223,330     100 %
           

        The Company focuses primarily on providing and servicing business deposit accounts that are frequently over $100,000 in average balance per account. As a result, certain types of business clients that the Company serves typically carry average deposits in excess of $100,000. The account activity for some account types and client types necessitates appropriate liquidity management practices by the Company to help ensure its ability to fund deposit withdrawals.

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Return (Loss) on Equity and Assets

        The following table indicates the ratios for return (loss) on average assets and average equity, and average equity to average assets for the periods indicated:

 
  Three Months Ended
September 30,
  Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  

Annualized return (loss) on average assets

    1.52 %   0.20 %   0.90 %   -5.76 %

Annualized return (loss) on average tangible assets

    1.52 %   0.20 %   0.90 %   -5.90 %

Annualized return (loss) on average equity

    10.02 %   1.38 %   6.09 %   -42.78 %

Annualized return (loss) on average tangible equity

    10.17 %   1.40 %   6.18 %   -51.99 %

Average equity to average assets ratio

    15.15 %   14.19 %   14.82 %   13.46 %

Off-Balance Sheet Arrangements

        In the normal course of business, the Company makes commitments to extend credit to its customers as long as there are no violations of any conditions established in the contractual arrangements. These commitments are obligations that represent a potential credit risk to the Company, yet are not reflected on the Company's consolidated balance sheets. Total unused commitments to extend credit were $272.3 million at September 30, 2011, as compared to $288.0 million at September 30, 2010 and $284.0 million at December 31, 2010. Unused commitments represented 35%, 32%, and 34% of outstanding gross loans at September 30, 2011 and 2010, and December 31, 2010, respectively.

        The effect on the Company's revenues, expenses, cash flows and liquidity from the unused portion of the commitments to provide credit cannot be reasonably predicted, because there is no certainty that lines of credit and letters of credit will ever be fully utilized. The following table presents the Company's commitments to extend credit for the periods indicated:

 
  September 30,    
   
 
 
  December 31,
2010
 
 
  2011   2010  
 
  (Dollars in thousands)
 
 
  Fixed Rate   Variable Rate   Fixed Rate   Variable Rate   Fixed Rate   Variable Rate  

Unused lines of credit and commitments to make loans

  $ 6,439   $ 247,620   $ 4,846   $ 262,938   $ 6,740   $ 256,575  

Standby letters of credit

    2,291     15,931     407     19,815     2,291     18,419  
                           

  $ 8,730   $ 263,551   $ 5,253   $ 282,753   $ 9,031   $ 274,994  
                           

Liquidity and Asset/Liability Management

        Liquidity refers to the Company's ability to maintain cash flows sufficient to fund operations and to meet obligations and other commitments in a timely and cost effective fashion. At various times the Company requires funds to meet short-term cash requirements brought about by loan growth or deposit outflows, the purchase of assets, or liability repayments. An integral part of the Company's ability to manage its liquidity position appropriately is the Company's large base of core deposits, which are generated by offering traditional banking services in its service area and which have, historically, been a stable source of funds. To manage liquidity needs properly, cash inflows must be timed to coincide with anticipated outflows or sufficient liquidity resources must be available to meet varying demands. The Company manages liquidity to be able to meet unexpected sudden changes in levels of its assets or deposit liabilities without maintaining excessive amounts of balance sheet liquidity. Excess balance sheet liquidity can negatively impact the Company's interest margin. In order to meet

60



short-term liquidity needs, the Company utilizes overnight Federal funds purchase arrangements and other borrowing arrangements with correspondent banks, solicits brokered deposits if cost effective deposits are not available from local sources and maintains collateralized lines of credit with the FHLB and FRB. In addition, the Company can raise cash for temporary needs by selling securities under agreements to repurchase and selling securities available-for-sale.

        At September 30, 2011, the Company had loan contraction, including loans held-for-sale, of $118.9 million from September 30, 2010, and it has experienced an improvement in its liquidity position. One of the measures we analyze for liquidity is our loan to deposit ratio. Our loan to deposit ratio improved to 77.19% at September 30, 2011 compared to 83.24% at September 30, 2010, and 85.12% at December 31, 2010.

FHLB and FRB Borrowings & Available Lines of Credit

        The Company has off-balance sheet liquidity in the form of Federal funds purchase arrangements with correspondent banks, including the FHLB and FRB. The Company can borrow from the FHLB on a short-term (typically overnight) or long-term (over one year) basis. The Company had no overnight borrowings from the FHLB at September 30, 2011, September 30, 2010 and December 31, 2010. The Company had $189.0 million of loans pledged to the FHLB as collateral on an available line of credit of $103.2 million at September 30, 2011.

        The Company can also borrow from FRB's discount window. The Company had $239.8 million of loans pledged to the FRB as collateral on an available line of credit of $172.4 million at September 30, 2011, none of which was outstanding.

        At September 30, 2011, the Company had Federal funds purchase arrangements available of $55.0 million. There were no Federal funds purchased outstanding at September 30, 2011, September 30, 2010, and December 31, 2010.

        The Company had no secured borrowings at September 30, 2011. The Company had a $4.3 million secured borrowing at September 30, 2010, and a $2.4 million secured borrowing at December 31, 2010. Secured borrowings represented the guaranteed portions of SBA 7a loans transferred to third parties subject to a SBA warranty for a period of 90 days. This required the Company to treat these loans as secured borrowings during the warranty period. Effective February 15, 2011, the SBA no longer required a warranty period in loan sales agreements.

        The Company may also utilize securities sold under repurchase agreements to manage our liquidity position. There were no securities sold under agreements to repurchase at September 30, 2011, compared to $15.0 million at September 30, 2010, and $5.0 million at December 31, 2010. Repurchase agreements are accounted for as collateralized financial transactions and were secured by mortgage-backed securities carried at an amortized cost of approximately $18.8 million at September 30, 2010, and $6.3 million at December 31, 2010.

        The following table summarizes the Company's borrowings under its Federal funds purchased, security repurchase arrangements and lines of credit for the periods indicated:

 
  September 30,    
 
 
  December 31,
2010
 
 
  2011   2010  
 
  (Dollars in thousands)
 

Average balance year-to-date

  $ 952   $ 26,952   $ 23,888  

Average interest rate year-to-date

    3.41 %   1.74 %   1.78 %

Maximum month-end balance during the quarter

  $   $ 23,246   $ 73,000  

Average rate at period-end

    N/A     1.53 %   3.09 %

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Capital Resources

        The Company uses a variety of measures to evaluate capital adequacy. Management reviews various capital measurements on a regular basis and takes appropriate action to ensure that such measurements are within established internal and external guidelines. The external guidelines, which are issued by the Federal Reserve Board and the FDIC, establish a risk-adjusted ratio relating capital to different categories of assets and off-balance sheet exposures. There are two categories of capital under the Federal Reserve Board and FDIC guidelines: Tier 1 and Tier 2 Capital. Our Tier 1 Capital currently consists of total shareholders' equity (excluding accumulated other comprehensive income or loss) and the proceeds from the issuance of trust preferred securities (trust preferred securities are counted only up to a maximum of 25% of Tier 1 capital), less goodwill and other intangible assets and disallowed deferred tax assets. Our Tier 2 Capital includes the allowances for loan losses and off-balance sheet credit losses.

        The following table summarizes risk-based capital, risk-weighted assets, and risk-based capital ratios of the consolidated Company:

 
  September 30,    
   
   
 
 
  December 31,
2010
   
   
 
 
  2011   2010    
   
 
 
  (Dollars in thousands)
   
   
 

Capital components:

                               
 

Tier 1 Capital

  $ 197,908   $ 182,852   $ 185,775              
 

Tier 2 Capital

    11,868     12,303     11,988              
                           
   

Total risk-based capital

  $ 209,776   $ 195,155   $ 197,763              
                           

Risk-weighted assets

  $ 940,039   $ 970,922   $ 945,499              

Average assets for capital purposes

  $ 1,234,544   $ 1,290,706   $ 1,316,600              

 

 
   
   
   
  Well-Capitalized
Regulatory
Requirements
  Minimum
Regulatory
Requirements
 

Capital ratios:

                               
 

Total risk-based capital

    22.3 %   20.1 %   20.9 %   10.00 %   8.00 %
 

Tier 1 risk-based capital

    21.1 %   18.8 %   19.7 %   6.00 %   4.00 %
 

Leverage(1)

    16.0 %   14.2 %   14.1 %   N/A     4.00 %

(1)
Tier 1 capital divided by quarterly average assets (excluding goodwill, other intangible assets and disallowed deferred tax assets).

        The table above presents the capital ratios of the consolidated Company computed in accordance with applicable regulatory guidelines and compared to the standards for minimum capital adequacy requirements for bank holding companies.

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        The following table summarizes risk-based capital, risk-weighted assets, and risk-based capital ratios of HBC:

 
  September 30,    
   
   
 
 
  December 31,
2010
   
   
 
 
  2011   2010    
   
 
 
  (Dollars in thousands)
   
   
 

Capital components:

                               
 

Tier 1 Capital

  $ 175,903   $ 154,283   $ 159,192              
 

Tier 2 Capital

    11,892     12,305     11,993              
                           
   

Total risk-based capital

  $ 187,795   $ 166,588   $ 171,185              
                           

Risk-weighted assets

  $ 941,923   $ 971,050   $ 945,918              

Average assets for capital purposes

  $ 1,236,239   $ 1,290,776   $ 1,316,969              

 

 
   
   
   
  Well-Capitalized
Regulatory
Requirements
  Minimum
Regulatory
Requirements
 

Capital ratios:

                               
 

Total risk-based capital

    19.9 %   17.2 %   18.1 %   10.00 %   8.00 %
 

Tier 1 risk-based capital

    18.7 %   15.9 %   16.8 %   6.00 %   4.00 %
 

Leverage(1)

    14.2 %   12.0 %   12.1 %   5.00 %   4.00 %

(1)
Tier 1 capital divided by quarterly average assets (excluding goodwill, other intangible assets and disallowed deferred tax assets).

        The table above presents the capital ratios of HBC computed in accordance with applicable regulatory guidelines and compared to the standards for minimum capital adequacy requirements under the FDIC's prompt corrective action authority.

        At September 30, 2011 and 2010, and December 31, 2010, HCC's and HBC's capital met all minimum regulatory requirements. As of September 30, 2011, HBC's capital ratios exceed the highest regulatory capital requirement of "well-capitalized" under the prompt corrective action provisions.

        At September 30, 2011, the Company had total shareholders' equity of $197.0 million, including $58.4 million in preferred stock, $131.0 million in common stock, $4.9 million in retained earnings, and $2.7 million of accumulated other comprehensive income. The components of other comprehensive income at September 30, 2011 include the following: an unrealized gain on available-for-sale securities of $5.0 million, an unrealized loss on the supplemental executive retirement plan of ($2.0) million, an unrealized loss on the split dollar life insurance benefit plan of ($1.5) million and an unrealized gain on interest-only strip from SBA loans of $1.2 million.

Mandatory Redeemable Cumulative Trust Preferred Securities

        To enhance regulatory capital and to provide liquidity, the Company, through unconsolidated subsidiary grantor trusts, issued the following mandatory redeemable cumulative trust preferred securities of subsidiary grantor trusts: In the first quarter of 2000, the Company issued $7.2 million aggregate principal amount of 10.87% subordinated debt due on March 8, 2030 to a subsidiary trust, which in turn issued a similar amount of trust preferred securities. In the third quarter of 2000, the Company issued $7.2 million aggregate principal amount of 10.60% subordinated debt due on September 7, 2030 to a subsidiary trust, which in turn issued a similar amount of trust preferred securities. In the third quarter of 2001, the Company issued $5.2 million aggregate principal amount of Floating Rate Junior Subordinated Deferrable Interest Debentures due on July 31, 2031 to a subsidiary trust, which in turn issued a similar amount of trust preferred securities. In the third quarter of 2002, the Company issued $4.1 million of aggregate principal amount of Floating Rate Junior Subordinated

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Deferrable Interest Debentures due on September 26, 2032 to a subsidiary trust, which in turn issued a similar amount of trust preferred securities. The subordinated debt is recorded as a component of long-term debt and includes the value of the common stock issued by the trusts to the Company. The common stock is recorded as other assets for the amount issued. Under applicable regulatory guidelines, the trust preferred securities currently qualify as Tier I capital. The subsidiary trusts are not consolidated in the Company's consolidated financial statements. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, certain trust preferred securities will no longer be eligible to be included as Tier 1 capital for regulatory purposes. However, an exception to this statutory prohibition applies to securities issued prior to May 19, 2010 by bank holding companies with less than $15 billion of total assets; therefore, our trust preferred securities will continue to be eligible to be treated as Tier 1 capital, subject to other rules and limitations.

        In November 2009, the Company announced that it was exercising its right to defer interest payments on its outstanding trust preferred subordinated debt securities. During the second quarter of 2011, the Company paid all of the deferred interest payments on its outstanding trust preferred subordinated debt securities in the amount of $3.9 million, which includes all payments due through September 8, 2011.

U.S. Treasury Capital Purchase Program

        The Company received $40 million in November 2008 through the issuance of its Series A Preferred Stock and a warrant to purchase 462,963 shares of its common stock to the Treasury through the U.S. Treasury Capital Purchase Program. The Series A Preferred Stock qualifies as a component of Tier 1 capital. In November 2009, the Company announced that it was exercising its right to suspend payment of dividends on its Series A Preferred Stock. On August 1, 2011, the Company paid a dividend on its Series A Preferred Stock held by the U.S. Treasury in an aggregate amount of $4.2 million. As a result of the dividend payment, the Company is current in the dividends accrued and owed to the U.S. Treasury.

Private Placement

        On June 21, 2010, the Company issued to various institutional investors 53,996 shares of Series B Mandatorily Convertible Cumulative Perpetual Preferred Stock ("Series B Preferred Stock") and 21,004 shares of newly issued Series C Convertible Perpetual Preferred Stock ("Series C Preferred Stock") for an aggregate purchase price of $75.0 million. The Series B Preferred Stock was mandatorily convertible into common stock, upon approval by the shareholders at a conversion price of $3.75 per share. The Series C Preferred Stock is mandatorily convertible into common stock at a conversion price of $3.75 per share upon both approval by the shareholders and thereafter, a subsequent transfer of the Series C Preferred stock to third parties not affiliates with the holder in a widely dispersed offering. The Series B Preferred Stock and the Series C Preferred Stock did not include a beneficial conversion feature, as the conversion price at $3.75 per share was not below the fair market value of the Company's common stock on the commitment date.

        At the Company's Special Meeting of shareholders held on September 15, 2010, the Company's shareholders approved the issuance of common stock upon the conversion of the Series B Preferred Stock and upon the conversion of the Series C Preferred Stock. As a result, on September 16, 2010, the Series B Preferred Stock was converted into 14,398,992 shares of common stock of the Company and the shares of Series B Preferred Stock ceased to be outstanding.

        The Series C Preferred Stock remains outstanding until it has been converted into common stock in accordance with its terms. The Series C Preferred Stock is non-voting except in the case of certain transactions that would affect the rights of the holders of the Series C Preferred Stock or applicable law. Holders of Series C Preferred Stock will receive dividends if and only to the extent dividends are

64



paid to holders of common stock. The Series C Preferred Stock is not redeemable by the Company or by the holders and has a liquidation preference of $1,000 per share. The Series C Preferred Stock ranks senior to the Company's common stock and ranks on parity with the Company's Series A Preferred Stock.

Market Risk

        Market risk is the risk of loss of future earnings, fair values, or future cash flows that may result from changes in the price of a financial instrument. The value of a financial instrument may change as a result of changes in interest rates, foreign currency exchange rates, commodity prices, equity prices and other market changes that affect market risk sensitive instruments. Market risk is attributed to all market risk sensitive financial instruments, including securities, loans, deposits and borrowings, as well as the Company's role as a financial intermediary in customer-related transactions. The objective of market risk management is to avoid excessive exposure of the Company's earnings and equity to loss and to reduce the volatility inherent in certain financial instruments.

Interest Rate Management

        Market risk arises from changes in interest rates, exchange rates, commodity prices and equity prices. The Company's market risk exposure is primarily that of interest rate risk, and it has established policies and procedures to monitor and limit earnings and balance sheet exposure to changes in interest rates. The Company does not engage in the trading of financial instruments, nor does the Company have exposure to currency exchange rates.

        The principal objective of interest rate risk management (often referred to as "asset/liability management") is to manage the financial components of the Company in a manner that will optimize the risk/reward equation for earnings and capital in relation to changing interest rates. The Company's exposure to market risk is reviewed on a regular basis by the Asset/Liability Committee. Interest rate risk is the potential of economic losses due to future interest rate changes. These economic losses can be reflected as a loss of future net interest income and/or a loss of current fair market values. The objective is to measure the effect on net interest income and to adjust the balance sheet to minimize the inherent risk while at the same time maximizing income. Management realizes certain risks are inherent, and that the goal is to identify and manage the risks. Management uses two methodologies to manage interest rate risk: (i) a standard GAP analysis; and (ii) an interest rate shock simulation model.

        The planning of asset and liability maturities is an integral part of the management of an institution's net interest margin. To the extent maturities of assets and liabilities do not match in a changing interest rate environment, the net interest margin may change over time. Even with perfectly matched repricing of assets and liabilities, risks remain in the form of prepayment of loans or securities or in the form of delays in the adjustment of rates of interest applying to either earning assets with floating rates or to interest bearing liabilities. The Company has generally been able to control its exposure to changing interest rates by maintaining primarily floating interest rate loans and a majority of its time certificates with relatively short maturities.

        Interest rate changes do not affect all categories of assets and liabilities equally or at the same time. Varying interest rate environments can create unexpected changes in prepayment levels of assets and liabilities, which may have a significant effect on the net interest margin and are not reflected in the interest sensitivity analysis table. Because of these factors, an interest sensitivity gap report may not provide a complete assessment of the exposure to changes in interest rates.

        The Company uses modeling software for asset/liability management in order to simulate the effects of potential interest rate changes on the Company's net interest margin, and to calculate the estimated fair values of the Company's financial instruments under different interest rate scenarios. The program imports current balances, interest rates, maturity dates and repricing information for individual

65



financial instruments, and incorporates assumptions on the characteristics of embedded options along with pricing and duration for new volumes to project the effects of a given interest rate change on the Company's interest income and interest expense. Rate scenarios consisting of key rate and yield curve projections are run against the Company's investment, loan, deposit and borrowed funds portfolios. These rate projections can be shocked (an immediate and parallel change in all base rates, up or down) and ramped (an incremental increase or decrease in rates over a specified time period), based on current trends and econometric models or stable economic conditions (unchanged from current actual levels).

        The following table sets forth the estimated changes in the Company's annual net interest income that would result from the designated instantaneous parallel shift in interest rates noted, as of September 30, 2011. Computations of prospective effects of hypothetical interest rate changes are based on numerous assumptions including relative levels of market interest rates, loan prepayments and deposit decay, and should not be relied upon as indicative of actual results.

 
  Increase/(Decrease)
in Estimated Net
Interest Income
 
 
  Amount   Percent  
 
  (Dollars in thousands)
 

Change in Interest Rates (basis points)

             

+400

  $ 12,709     25.9 %

+300

  $ 9,466     19.3 %

+200

  $ 6,082     12.4 %

+100

  $ 2,729     5.6 %

   0

  $     0.0 %

-100

  $ (3,861 )   -7.9 %

-200

  $ (8,001 )   -16.3 %

        This data does not reflect any actions that we may undertake in response to changes in interest rates such as changes in rates paid on certain deposit accounts based on local competitive factors, which could reduce the actual impact on net interest income.

        As with any method of gauging interest rate risk, there are certain shortcomings inherent to the methodology noted above. The model assumes interest rate changes are instantaneous parallel shifts in the yield curve. In reality, rate changes are rarely instantaneous. The use of the simplifying assumption that short-term and long-term rates change by the same degree may also misstate historic rate patterns, which rarely show parallel yield curve shifts. Further, the model assumes that certain assets and liabilities of similar maturity or period to repricing will react in the same way to changes in rates. In reality, certain types of financial instruments may react in advance of changes in market rates, while the reaction of other types of financial instruments may lag behind the change in general market rates. Additionally, the methodology noted above does not reflect the full impact of annual and lifetime restrictions on changes in rates for certain assets, such as adjustable rate loans. When interest rates change, actual loan prepayments and actual early withdrawals from certificates may deviate significantly from the assumptions used in the model. Finally, this methodology does not measure or reflect the impact that higher rates may have on adjustable-rate loan clients' ability to service their debt. All of these factors are considered in monitoring the Company's exposure to interest rate risk.

CRITICAL ACCOUNTING POLICIES

        Critical accounting policies are discussed in our Form 10-K for the year ended December 31, 2010. There are no changes to these policies as of September 30, 2011.

66



ITEM 3—QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

        The information concerning quantitative and qualitative disclosure or market risk called for by Item 305 of Regulation S-K is included as part of Item 2 above.

ITEM 4—CONTROLS AND PROCEDURES

Disclosure Control and Procedures

        The Company has carried out an evaluation, under the supervision and with the participation of the Company's management, including the Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operation of the Company's disclosure controls and procedures as of September 30, 2011. As defined in Rule 13a-15(e) under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), disclosure controls and procedures are controls and procedures designed to reasonably assure that information required to be disclosed in our reports filed or submitted under the Exchange Act are recorded, processed, summarized and reported on a timely basis. Disclosure controls are also designed to reasonably assure that such information is accumulated and communicated to our management, including the Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure. Based upon their evaluation, our Chief Executive Officer and Chief Financial Officer concluded the Company's disclosure controls were effective as of September 30, 2011, the period covered by this report on Form 10-Q.

        During the nine months ended September 30, 2011, there were no changes in our internal controls over financial reporting that materially affected, or are reasonably likely to affect, our internal controls over financial reporting.

67



Part II—OTHER INFORMATION

        

ITEM 1—LEGAL PROCEEDINGS

        The Company is involved in certain legal actions arising from normal business activities. Management, based upon the advice of legal counsel, believes the ultimate resolution of all pending legal actions will not have a material effect on the financial statements of the Company.

ITEM 1A—RISK FACTORS

        In addition to the other information set forth in this Report, you should carefully consider the factors discussed in Part I, "Item 1A. Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2010, which could materially affect our business, financial condition and/or operating results. There were no material changes from risk factors previously disclosed in our 2010 Annual Report on Form 10-K. The risk factors identified are in addition to those contained in any other cautionary statements, written or oral, which may be made or otherwise addressed in connection with a forward-looking statement or contained in any of our subsequent filings with the Securities and Exchange Commission.

ITEM 2—UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

        None

ITEM 3—DEFAULTS UPON SENIOR SECURITIES

        None

ITEM 4—RESERVED

        

ITEM 5—OTHER INFORMATION

        None

68


ITEM 6—EXHIBITS

Exhibit   Description
    3.1   Heritage Commerce Corp Restated Articles of Incorporation, as amended (incorporated by reference to Exhibit 3.1 to the Registrant's Annual Report on Form 10-K filed on March 4, 2010)

    3.2

 

Certificate of Amendment of Articles of Incorporation of Heritage Commerce Corp as filed with the California Secretary of State on June 1, 2010 (incorporated by reference to Exhibit 3.1 to the Registrant's Registration Statement on Form S-1 filed July 23, 2010).

    3.3

 

Heritage Commerce Corp Bylaws, as amended (incorporated by reference to the Registrant's Registration Statement Form S-1 filed on July 23, 2010)

    4.1

 

Certificate of Determination for Fixed Rate Cumulative Perpetual Preferred Stock, Series A (incorporated by reference to Exhibit 3.1 to the Registrant's Form 8-K filed November 26, 2008)

    4.2

 

Warrant to Purchase Common Stock dated November 21, 2008 (incorporated by reference to Exhibit 4.2 to the Registrant's Form 8-K filed on November 26, 2008)

    4.3

 

Certificate of Determination for Series C Convertible Perpetual Preferred Stock (incorporated by reference to the Registrant's Form 8-K filed on June 22, 2010)

  12.1

 

Calculation of Ratio of Earnings to Fixed Charges and Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

  31.1

 

Certification of Registrant's Chief Executive Officer Pursuant To Section 302 of the Sarbanes-Oxley Act of 2002

  31.2

 

Certification of Registrant's Chief Financial Officer Pursuant To Section 302 of the Sarbanes-Oxley Act of 2002

  32.1

 

Certification of Registrant's Chief Executive Officer Pursuant To 18 U.S.C. Section 1350

  32.2

 

Certification of Registrant's Chief Financial Officer Pursuant To 18 U.S.C. Section 1350

101.INS

 

XBRL Instance Document, furnished herewith

101.SCH

 

XBRL Taxonomy Extension Schema Document, furnished herewith

101.CAL

 

XBRL Taxonomy Extension Calculation Linkbase Document, furnished herewith

101.DEF

 

XBRL Taxonomy Extension Definition Linkbase Document, furnished herewith

101.LAB

 

XBRL Taxonomy Extension Label Linkbase Document, furnished herewith

101.PRE

 

XBRL Taxonomy Extension Presentation Linkbase Document, furnished herewith

69



SIGNATURES

        Pursuant to the requirements 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.

    Heritage Commerce Corp (Registrant)

Date:  November 9, 2011

 

/s/ WALTER T. KACZMAREK

Walter T. Kaczmarek
Chief Executive Officer

Date:  November 9, 2011

 

/s/ LAWRENCE D. MCGOVERN

Lawrence D. McGovern
Chief Financial Officer

70



EXHIBIT INDEX

Exhibit   Description
  3.1   Heritage Commerce Corp Restated Articles of Incorporation, as amended (incorporated by reference to Exhibit 3.1 to the Registrant's Annual Report on Form 10-K filed on March 4, 2010)

 

3.2

 

Certificate of Amendment of Articles of Incorporation of Heritage Commerce Corp as filed with the California Secretary of State on June 1, 2010 (incorporated by reference to Exhibit 3.1 to the Registrant's Registration Statement on Form S-1 filed July 23, 2010).

 

3.3

 

Heritage Commerce Corp Bylaws, as amended (incorporated by reference to the Registrant's Registration Statement Form S-1 filed on July 23, 2010)

 

4.1

 

Certificate of Determination for Fixed Rate Cumulative Perpetual Preferred Stock, Series A (incorporated by reference to Exhibit 3.1 to the Registrant's Form 8-K filed November 26, 2008)

 

4.2

 

Warrant to Purchase Common Stock dated November 21, 2008 (incorporated by reference to Exhibit 4.2 to the Registrant's Form 8-K filed on November 26, 2008)

 

4.3

 

Certificate of Determination for Series C Convertible Perpetual Preferred Stock (incorporated by reference to the Registrant's Form 8-K filed on June 22, 2010)

 

12.1

 

Calculation of Ratio of Earnings to Fixed Charges and Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

 

31.1

 

Certification of Registrant's Chief Executive Officer Pursuant To Section 302 of the Sarbanes-Oxley Act of 2002

 

31.2

 

Certification of Registrant's Chief Financial Officer Pursuant To Section 302 of the Sarbanes-Oxley Act of 2002

 

32.1

 

Certification of Registrant's Chief Executive Officer Pursuant To 18 U.S.C. Section 1350

 

32.2

 

Certification of Registrant's Chief Financial Officer Pursuant To 18 U.S.C. Section 1350

 

101.INS

 

XBRL Instance Document, furnished herewith

 

101.SCH

 

XBRL Taxonomy Extension Schema Document, furnished herewith

 

101.CAL

 

XBRL Taxonomy Extension Calculation Linkbase Document, furnished herewith

 

101.DEF

 

XBRL Taxonomy Extension Definition Linkbase Document, furnished herewith

 

101.LAB

 

XBRL Taxonomy Extension Label Linkbase Document, furnished herewith

 

101.PRE

 

XBRL Taxonomy Extension Presentation Linkbase Document, furnished herewith

71



EX-12.1 2 a2206197zex-12_1.htm EX-12.1
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Exhibit 12.1


CALCULATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES

 
  Nine Months Ended
September 30,
  Year Ended December 31,  
(Dollars in thousands)
  2011   2010   2010   2009   2008   2007  

Earnings:

                                     

Income (loss) before income taxes

  $ 7,416   $ (63,834 ) $ (61,623 ) $ (24,694 ) $ 375   $ 22,233  
                           

Fixed Charges:

                                     

Interest on deposits

  $ 3,191   $ 6,451   $ 8,086   $ 13,462   $ 20,035   $ 24,211  

Interest on notes payable to subsidiary grantor trusts, repurchase agreements, and other borrowings

    1,462     1,841     2,426     2,864     4,409     2,801  

Rent expense interest factor(1)

    689     663     909     853     905     881  
                           

Total fixed charges:

                                     

Including interest on deposits

  $ 5,342   $ 8,955   $ 11,421   $ 17,179   $ 25,349   $ 27,893  
                           

Excluding interest on deposits

  $ 2,151   $ 2,504   $ 3,335   $ 3,717   $ 5,314   $ 3,682  
                           

Ratio of earnings (loss) to fixed charges:

                                     

Excluding interest on deposits

    4.45     (24.49 )   (17.48 )   (5.64 )   1.07     7.04  
                           

Including interest on deposits

    2.39     (6.13 )   (4.40 )   (0.44 )   1.01     1.80  
                           

(1)
This amount is the portion of rent expense (generally one-third) deemed representative of the interest factor.

        For purposes of calculating the ratios of earnings to fixed charges and preferred stock dividends, earnings consist of income (loss) before income taxes and fixed charges. Fixed charges consist of interest on subordinated debt, repurchase agreements and other borrowings, the proportion deemed representative of the interest factor within rent expense. These ratios are presented both including and excluding interest on deposits.

        The earnings coverage for the nine months ended September 30, 2011 was $7,416,000, both excluding and including interest on deposits.



CALCULATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDENDS

 
  Nine Months Ended
September 30,
  Year Ended December 31,  
(Dollars in thousands)
  2011   2010   2010   2009   2008   2007  

Earnings:

                                     

Income (loss) before income taxes

  $ 7,416   $ (63,834 ) $ (61,623 ) $ (24,694 ) $ 375   $ 22,233  
                           

Fixed Charges:

                                     

Interest on deposits

  $ 3,191     6,451   $ 8,086   $ 13,462   $ 20,035   $ 24,211  

Interest on notes payable to subsidiary grantor trusts, repurchase agreements, and other borrowings

    1,462     1,841     2,426     2,864     4,409     2,801  

Preferred stock dividends

    1,439     1,516     2,027     2,028     222      

Rent expense interest factor(1)

    689     663     909     853     905     881  
                           

Total fixed charges:

                                     

Including interest on deposits

  $ 6,781   $ 10,471   $ 13,448   $ 19,207   $ 25,571   $ 27,893  
                           

Excluding interest on deposits

  $ 3,590   $ 4,020   $ 5,362   $ 5,745   $ 5,536   $ 3,682  
                           

Ratio of earnings (loss) to fixed charges and preferred stock dividends:

                                     

Excluding interest on deposits

    3.07     (14.88 )   (10.49 )   (3.30 )   1.07     7.04  
                           

Including interest on deposits

    2.09     (5.10 )   (3.58 )   (0.29 )   1.01     1.80  
                           

(1)
This amount is the portion of rent expense (generally one-third) deemed representative of the interest factor.

        For purposes of calculating the ratios of earnings to fixed charges and preferred stock dividends, earnings consist of income (loss) before income taxes and fixed charges. Fixed charges consist of interest on subordinated debt, repurchase agreements and other borrowings, the proportion deemed representative of the interest factor within rent expense, and preferred stock dividends. These ratios are presented both including and excluding interest on deposits.

        The earnings coverage for the nine months ended September 30, 2011 was $7,416,000 both excluding and including interest on deposits.




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CALCULATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES
CALCULATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDENDS
EX-31.1 3 a2206197zex-31_1.htm EX-31.1
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Exhibit 31.1

CERTIFICATION UNDER SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
REGARDING THE QUARTERLY REPORT ON FORM 10-Q
FOR THE QUARTER ENDED SEPTEMBER 30, 2011

I, Walter T. Kaczmarek, certify that:

1.
I have reviewed this Quarterly Report on Form 10-Q for the Quarter Ended September 30, 2011 of Heritage Commerce Corp;

2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.
The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c)
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)
Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5.
The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

(a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date: November 9, 2011

       /s/ WALTER T. KACZMAREK

Walter T. Kaczmarek
Chief Executive Officer



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EX-31.2 4 a2206197zex-31_2.htm EX-31.2
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Exhibit 31.2

CERTIFICATION UNDER SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
REGARDING THE QUARTERLY REPORT ON FORM 10-Q
FOR THE QUARTER ENDED SEPTEMBER 30, 2011

I, Lawrence D. McGovern, certify that:

1.
I have reviewed this Quarterly Report on Form 10-Q for the Quarter Ended September 30, 2011 of Heritage Commerce Corp;

2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.
The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c)
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)
Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5.
The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

(a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date: November 9, 2011

       /s/ LAWRENCE D. MCGOVERN

Lawrence D. McGovern
Chief Financial Officer



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EX-32.1 5 a2206197zex-32_1.htm EX-32.1
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Exhibit 32.1

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
REGARDING THE QUARTERLY REPORT ON FORM 10-Q
FOR THE QUARTER ENDED SEPTEMBER 30, 2011

        In connection with the Quarterly Report of Heritage Commerce Corp (the "Company") on Form 10-Q for the period ended September 30, 2011 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Walter T. Kaczmarek, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

    (1)
    The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

    (2)
    The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date: November 9, 2011

       /s/ WALTER T. KACZMAREK

Walter T. Kaczmarek
Chief Executive Officer



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EX-32.2 6 a2206197zex-32_2.htm EX-32.2
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Exhibit 32.2

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
REGARDING THE QUARTERLY REPORT ON FORM 10-Q
FOR THE QUARTER ENDED SEPTEMBER 30, 2011

        In connection with the Quarterly Report of Heritage Commerce Corp (the "Company") on Form 10-Q for the period ended September 30, 2011 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Lawrence D. McGovern, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

    (1)
    The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

    (2)
    The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date: November 9, 2011

       /s/ LAWRENCE D. MCGOVERN

Lawrence D. McGovern
Chief Financial Officer



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EX-101.INS 7 htbk-20110930.xml EX-101.INS 0001053352 htbk:SeriesCConvertiblePerpetualPreferredStockMember 2010-12-31 0001053352 htbk:SeriesAFixedRateCumulativePreferredStockMember 2010-12-31 0001053352 2010-12-31 0001053352 2011-09-30 0001053352 htbk:SeriesAFixedRateCumulativePreferredStockMember 2011-09-30 0001053352 htbk:SeriesCConvertiblePerpetualPreferredStockMember 2011-09-30 0001053352 2011-07-01 2011-09-30 0001053352 2010-07-01 2010-09-30 0001053352 2010-01-01 2010-09-30 0001053352 2011-01-01 2011-09-30 0001053352 2010-09-30 0001053352 us-gaap:PreferredStockMember 2009-12-31 0001053352 us-gaap:CommonStockMember 2009-12-31 0001053352 us-gaap:RetainedEarningsMember 2009-12-31 0001053352 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2009-12-31 0001053352 2009-12-31 0001053352 us-gaap:PreferredStockMember 2010-12-31 0001053352 us-gaap:CommonStockMember 2010-12-31 0001053352 us-gaap:RetainedEarningsMember 2010-12-31 0001053352 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2010-12-31 0001053352 us-gaap:PreferredStockMember 2010-09-30 0001053352 us-gaap:CommonStockMember 2010-09-30 0001053352 us-gaap:RetainedEarningsMember 2010-09-30 0001053352 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2010-09-30 0001053352 us-gaap:PreferredStockMember 2010-01-01 2010-09-30 0001053352 us-gaap:CommonStockMember 2010-01-01 2010-09-30 0001053352 us-gaap:RetainedEarningsMember 2010-01-01 2010-09-30 0001053352 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2010-01-01 2010-09-30 0001053352 us-gaap:ComprehensiveIncomeMember 2010-01-01 2010-09-30 0001053352 us-gaap:PreferredStockMember 2011-01-01 2011-09-30 0001053352 us-gaap:CommonStockMember 2011-01-01 2011-09-30 0001053352 us-gaap:RetainedEarningsMember 2011-01-01 2011-09-30 0001053352 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2011-01-01 2011-09-30 0001053352 us-gaap:ComprehensiveIncomeMember 2011-01-01 2011-09-30 0001053352 us-gaap:PreferredStockMember 2011-09-30 0001053352 us-gaap:CommonStockMember 2011-09-30 0001053352 us-gaap:RetainedEarningsMember 2011-09-30 0001053352 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2011-09-30 0001053352 2011-10-28 iso4217:USD iso4217:USD xbrli:shares xbrli:shares 19519000 1227000 39846000 1246369000 -4651000 -1866000 130531000 1064217000 39152000 2445000 23702000 5000000 993918000 98467000 17864000 137514000 33499000 272399000 153917000 280258000 1246369000 45905000 3014000 8397000 43682000 9174000 820845000 25204000 846049000 2260000 8750000 232165000 72177000 1055637000 1006134000 1252700000 75778000 64485000 39846000 19519000 0.01 0.01 1492000 -4.70 -4.70 40000 -1598000 11820509 61004 -1227000 26233001 61004 -1322000 26233001 1026000 1026000 1026000 202000 202000 202000 53996 50228000 50228000 21004 19538000 19538000 13500 -42000 -42000 1516000 1516000 -276000 276000 837000 837000 6732000 650000 62000 -27000 1439000 457000 6732000 650000 61004 -934000 7692000 12041000 37952000 1246000 3868000 74000 100000 13020000 13361000 39021000 41920000 1929000 6451000 473000 1407000 97000 341000 31000 93000 1320000 2530000 4653000 8292000 10831000 33628000 2058000 8773000 7874000 536000 1664000 429000 442000 1288000 428000 -887000 288000 777000 1912000 2728000 5999000 6290000 5272000 16645000 1081000 3023000 780000 3202000 849000 3059000 261000 747000 241000 765000 188000 619000 214000 572000 49000 537000 1233000 4568000 9809000 11248000 29712000 77998000 253000 -63834000 -398000 -6272000 193000 1792000 4285000 458000 6752000 -59354000 41434000 21164000 27245000 320000 -128960000 883000 171000 11595000 1768000 10303000 -308000 -24167000 69766000 -10000000 -15685000 7008000 4123000 17079000 2367000 10593000 -920000 1295000 1492000 1124000 707000 12347000 17146000 5864000 17458000 -887000 29000 1080000 3239000 25754000 1270000 1249000 579000 600000 392000 431000 67000 -546000 457000 837000 27000 42000 43181000 173000 2963000 -8390000 -1234000 45562000 230555000 10000000 10000000 40000 40000 40000 40000 42810000 40250000 21004 21004 21004 21004 21004000 21004000 26233001 26233001 26295001 26295001 60000000 60000000 <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>1) Basis of Presentation</b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The unaudited consolidated financial statements of Heritage Commerce Corp (the "Company") and its wholly owned subsidiary, Heritage Bank of Commerce (sometimes referred to as "HBC"), have been prepared pursuant to the rules and regulations for reporting on Form&nbsp;10-Q. Accordingly, certain information and notes required by accounting principles generally accepted in the United States of America ("GAAP") for annual financial statements are not included herein. The interim statements should be read in conjunction with the consolidated financial statements and notes that were included in the Company's Form&nbsp;10-K for the year ended December&nbsp;31, 2010. The Company has also established the following unconsolidated subsidiary grantor trusts: Heritage Capital Trust&nbsp;I; Heritage Statutory Trust&nbsp;I; Heritage Statutory Trust&nbsp;II; and Heritage Commerce Corp Statutory Trust&nbsp;III which are Delaware Statutory business trusts formed for the exclusive purpose of issuing and selling trust preferred securities. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HBC is a commercial bank serving customers located in Santa Clara, Alameda, and Contra Costa counties of California. No customer accounts for more than 10&nbsp;percent of revenue for HBC or the Company. Management evaluates the Company's performance as a whole and does not allocate resources based on the performance of different lending or transaction activities. Accordingly, the Company and its subsidiary operate as one business segment. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the Company's opinion, all adjustments necessary for a fair presentation of these consolidated financial statements have been included and are of a normal and recurring nature. All intercompany transactions and balances have been eliminated.</font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ significantly from these estimates. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The results for the three and nine months ended September&nbsp;30, 2011 are not necessarily indicative of the results expected for any subsequent period or for the entire year ending December&nbsp;31, 2011. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Reclassifications</i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain reclassifications of prior year balances have been made to conform to the current year presentation. These reclassifications had no impact on the Company's consolidated financial position, results of operations or net change in cash and cash equivalents. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Adoption of New Accounting Standards </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In July&nbsp;2010, the FASB updated disclosure requirements with respect to the credit quality of financing receivables and the allowance for credit losses. According to the guidance there are two levels of detail at which credit information will be presented&#151;the portfolio segment and class levels. The portfolio segment level is defined as the level where financing receivables are aggregated in developing a Company's systematic method for calculating its allowance for credit losses. The class level is the second level at which credit information will be presented and represents the categorization of financing related receivables at a slightly less aggregated level than the portfolio segment level. Companies will now be required to provide the following disclosures as a result of this update: a rollforward of the allowance for credit losses at the portfolio segment level with the ending balances further categorized according to impairment method along with the balance reported in the related financing receivables at period end; additional disclosure of nonaccrual and impaired financing receivables by class as of period end; credit quality and past due/aging information by class as of period end; information surrounding the nature and extent of loan modifications and troubled-debt restructurings and their effect on the allowance for credit losses during the period; and detail of any significant purchases or sales of financing receivables during the period. The increased period-end disclosure requirements became effective for periods ending on or after December&nbsp;15, 2010, with the exception of additional disclosures surrounding troubled-debt restructurings, which were deferred in December&nbsp;2010 and became effective for periods ending on or after June&nbsp;15, 2011. The increased disclosures for activity within a reporting period became effective for periods beginning on or after December&nbsp;15, 2010. The provisions of this update expanded the Company's current disclosures with respect to credit quality in addition to the allowance for loan losses. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In April&nbsp;2011, the FASB amended existing guidance for assisting a creditor in determining whether a restructuring is a troubled debt restructuring. The amendments clarify the guidance for a creditor's evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. With regard to determining whether a concession has been granted, the updated guidance clarifies that creditors are precluded from using the effective interest method to determine whether a concession has been granted. In the absence of using the effective interest method, a creditor must now focus on other considerations such as the value of the underlying collateral, evaluation of other collateral or guarantees, the debtor's ability to access other funds at market rates, interest rate increases and whether the restructuring results in a delay in payment that is insignificant. This guidance is effective for interim and annual reporting periods beginning after June&nbsp;15, 2011, and should be applied retrospectively to the beginning of the annual period of adoption. For purposes of measuring impairment on newly identified troubled debt restructurings, the amendments should be applied prospectively for the first interim or annual period beginning on or after June&nbsp;15, 2011. The adoption of this guidance expanded the Company's current disclosures with respect to troubled debt restructurings. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Newly Issued But Not Yet Effective Accounting Standards </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In June&nbsp;2011, the FASB issued an accounting standards update to increase the prominence of items included in Other Comprehensive Income and facilitate the convergence of U.S.&nbsp;GAAP with International Financial Reporting Standards ("IFRS"). The update prohibits continued presentation of Other Comprehensive Income in the statement of Stockholders' Equity. The update requires that all non-owner changes in stockholders' equity be presented in either a single continuous statement of comprehensive income or in two separate but continuous statements. The amendments in the update are effective for interim and annual periods beginning on or after December&nbsp;15, 2011. The provisions of this update are only expected to change the manner in which our other comprehensive income is disclosed.</font></p></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>2) Earnings Per Share</b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic earnings (loss) per common share is computed by dividing net income (loss), less dividends and discount accretion on preferred stock, by the weighted average common shares outstanding. On June&nbsp;21, 2010, the Company issued to various institutional investors 53,996 shares of Series&nbsp;B Mandatorily Convertible Cumulative Perpetual Preferred Stock ("Series&nbsp;B Preferred Stock") and 21,004 shares of Series&nbsp;C Convertible Perpetual Preferred Stock ("Series&nbsp;C Preferred Stock"). Subject to the terms of the Series&nbsp;B Preferred Stock, the 53,996 shares of Series&nbsp;B Preferred Stock converted into 14,398,992 shares of common stock on September&nbsp;16, 2010. The 21,004 shares of Series&nbsp;C Preferred Stock remain outstanding as of September&nbsp;30, 2011, and are convertible into 5,601,000 shares of common stock. The Series&nbsp;B Preferred Stock and Series&nbsp;C Preferred Stock participate in the earnings of the Company and, therefore, the shares issued on the conversion of the Series&nbsp;B Preferred Stock and the Series&nbsp;C Preferred Stock are considered outstanding under the two-class method of computing basic earnings per common share during periods of earnings. The shares issued on the conversion of the Series&nbsp;B Preferred Stock and the Series&nbsp;C Preferred Stock are not considered outstanding for the nine months ended September&nbsp;30, 2010 due to the net loss allocable to common shareholders for the period. Diluted earnings (loss) per share reflect potential dilution from outstanding stock options and common stock warrants, using the treasury stock method. Due to the Company's net loss allocable to common shareholders for the nine months ended September&nbsp;30, 2010, all stock options and common stock warrants were excluded from the computation of diluted loss per average common share. A reconciliation of the weighted average shares used in computing basic and diluted earnings (loss) per common share is as follows: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="61"></td> <td style="FONT-FAMILY: times" width="18"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="61"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="61"></td> <td style="FONT-FAMILY: times" width="18"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="61"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>For the Three Months Ended<br /> September&nbsp;30,</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>For the Nine Months Ended<br /> September&nbsp;30,</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Weighted average common shares outstanding</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">26,295,001</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">14,230,212</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">26,257,112</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">12,623,743</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Effect of convertible preferred stock</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5,601,000</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">17,600,160</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5,601,000</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">N/A</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Shares used in computing basic earnings (loss) per common share</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,896,001</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,830,372</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,858,112</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">12,623,743</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Dilutive effect of stock options oustanding, using the treasury stock method</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,274</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,443</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">N/A</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Shares used in computing diluted earnings (loss) per common share</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,898,275</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,830,372</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,862,555</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">12,623,743</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>3) Securities </b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The amortized cost and estimated fair value of securities at September&nbsp;30, 2011 and December&nbsp;31, 2010 were as follows: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" nowrap="nowrap" align="left"> <div style="BORDER-BOTTOM: #000000 1pt solid; WIDTH: 66pt; MARGIN-BOTTOM: 0pt"><font size="1"><b>September&nbsp;30, 2011 <!-- COMMAND=ADD_SCROPPEDRULE,66pt --></b></font></div></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Amortized<br /> Cost </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Gross<br /> Unrealized<br /> Gains </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Gross<br /> Unrealized<br /> Losses </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Estimated<br /> Fair<br /> Value </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="11" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Securities available-for-sale:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Agency Mortgage-Backed Securities</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">303,588</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,537</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">312,125</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;<br /></font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" nowrap="nowrap" align="left"> <div style="BORDER-BOTTOM: #000000 1pt solid; WIDTH: 64pt; MARGIN-BOTTOM: 0pt"><font size="1"><b>December&nbsp;31, 2010 <!-- COMMAND=ADD_SCROPPEDRULE,64pt --></b></font></div></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Amortized<br /> Cost </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Gross<br /> Unrealized<br /> Gains </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Gross<br /> Unrealized<br /> Losses </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Estimated<br /> Fair<br /> Value </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="11" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Securities available-for-sale:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Agency Mortgage-Backed Securities</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">235,099</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,079</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(4,013</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">232,165</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At September&nbsp;30, 2011 and December&nbsp;31, 2010, all agency mortgage backed securities were issued by the Federal National Mortgage Association ("Fannie Mae") the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or the Government National Mortgage Association ("Ginnie Mae"), and there were no holdings of securities of any one issuer, other than the U.S. Government and its sponsored entities, in an amount greater than 10% of shareholders' equity. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There were no securities with unrealized losses at September&nbsp;30, 2011. At December&nbsp;31, 2010, the Company held 106 securities, of which 54 had fair values below amortized cost. No securities had been carried with an unrealized loss for over 12&nbsp;months. The Company did not consider these securities to be other-than-temporarily impaired at December&nbsp;31, 2010. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The amortized cost and estimated fair values of securities as of September&nbsp;30, 2011, by weighted average life, are shown below. The weighted average life will differ from contractual maturities because borrowers may have the right to call or pre-pay obligations with or without call or pre-payment penalties. </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 60%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 20%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>Available-for-sale </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Amortized<br /> Cost </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Estimated<br /> Fair Value </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Due within one year</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Due after one through five years</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">141,014</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">144,827</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Due after five through ten years</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">144,858</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">148,853</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Due after ten years</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">17,716</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">18,445</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Total</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">303,588</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">312,125</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>4) Loans </b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans were as follows:</font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 71.73%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 386px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="67"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="64"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="3"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>September&nbsp;30,<br /> 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>December&nbsp;31,<br /> 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="3"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="5"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans held-for-sale:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans held-for-sale&#151;SBA</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,391</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,750</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans held-for-sale&#151;other</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">421</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,260</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total loans held-for-sale</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,812</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,010</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans held-for-investment:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">365,532</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">378,412</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">310,722</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">337,457</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">36,357</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">62,356</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Home equity</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">51,668</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">53,697</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,829</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,244</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">776,108</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">845,166</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Deferred loan origination costs and fees, net</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">576</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">883</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans, including deferred costs</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">776,684</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">846,049</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Allowance for loan losses</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(21,049</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(25,204</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans, net</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">755,635</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">820,845</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior to February&nbsp;15, 2011, SBA loans that were sold were subject to a warranty for a period of 90&nbsp;days. In accordance with generally accepted accounting principles, the Company treated sold SBA loans as secured borrowings during the warranty period. The secured borrowings were classified as "short-term borrowings" on the unaudited consolidated balance sheets. At December&nbsp;31, 2010, the balance of loans held-for-sale included $2,445,000 of SBA loans that were transferred to third parties, with associated deferred gains of $192,000, which are included in other liabilities on the consolidated balance sheets. Effective February&nbsp;15, 2011, the SBA no longer required a warranty period in loan sales agreements. Therefore, gains on loan sales completed after February&nbsp;15, 2011 are recognized upon completion of the transaction, thus there are no short-term borrowings or deferred gains associated with the SBA loans held-for-sale at September&nbsp;30, 2011. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes in the allowance for loan losses were as follows: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 73.83%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 306px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"120%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="120%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="58"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="55"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="49"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="91"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times" rowspan="3"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2" rowspan="3"><font size="1"><b>Three<br /> Months<br /> Ended<br /> September&nbsp;30, 2010<br /> Total</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"><font size="1"><b>Three Months Ended September&nbsp;30, 2011</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Real Estate </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Consumer </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="14"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Balance, beginning of period</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,992</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,162</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,013</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">23,167</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">26,753</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Charge-offs</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(3,042</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(901</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(3,943</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(3,963</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Recoveries</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">283</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">25</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">310</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">442</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Net (charge-offs)/recoveries</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(2,759</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(876</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(3,633</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(3,521</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Provision/(credit) for loan losses</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,809</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">554</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(848</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,515</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,058</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Balance, end of period</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,042</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">7,840</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">167</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">21,049</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">25,290</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;<br /></font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 71.7%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 287px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"120%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="120%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="58"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="55"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="49"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="91"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times" rowspan="3"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2" rowspan="3"><font size="1"><b>Nine<br /> Months<br /> Ended<br /> September&nbsp;30, 2010<br /> Total</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"><font size="1"><b>Nine Months Ended September&nbsp;30, 2011</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Real Estate </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Consumer </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="14"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Balance, beginning of period</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,952</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,363</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">889</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">25,204</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">28,768</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Charge-offs</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(5,841</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(2,497</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(8</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(8,346</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(30,347</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Recoveries</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">513</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">436</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">952</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,115</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Net charge-offs</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(5,328</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(2,061</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(5</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(7,394</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(29,232</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Provision for loan losses</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">4,418</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(462</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(717</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,239</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">25,754</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Balance, end of period</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,042</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">7,840</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">167</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">21,049</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">25,290</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, based on the impairment method as of September&nbsp;30, 2011 and December&nbsp;31, 2010: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 87.19%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 301px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="58"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="55"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="49"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="4"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="4"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Real Estate </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Consumer </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="4"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="11"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Allowance for loan losses:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Ending allowance balance attributable to loans:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Individually evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,384</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">623</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">46</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,053</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Collectively evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,658</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">7,217</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">121</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">17,996</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total ending allowance balance</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,042</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">7,840</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">167</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">21,049</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Individually evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,442</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,016</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">617</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">19,075</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Collectively evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">355,090</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">390,731</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,212</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">757,033</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total ending loan balance</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">365,532</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">398,747</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,829</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">776,108</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;<br /></font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 86.5%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 303px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="58"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="55"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="49"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="4"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="4"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Real Estate </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Consumer </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="4"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="11"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Allowance for loan losses:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Ending allowance balance attributable to loans:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Individually evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,427</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,855</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">778</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">6,060</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Collectively evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,525</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,508</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">111</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">19,144</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total ending allowance balance</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,952</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,363</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">889</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">25,204</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Loans:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Individually evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">14,374</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">16,041</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">31,313</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Collectively evaluated for impairment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">364,038</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">437,469</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">12,346</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">813,853</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total ending loan balance</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">378,412</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">453,510</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,244</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">845,166</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents loans held-for-investment individually evaluated for impairment by class of loans as of September&nbsp;30, 2011 and December&nbsp;31, 2010. The recorded investment included in the following table represents loan principal net of any partial charge-offs recognized on the loans. The unpaid principal balance represents the recorded balance prior to any partial charge-offs.</font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 67.4%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 640px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"130%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="130%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="53"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="47"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="53"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="47"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="3"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="3"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Unpaid<br /> Principal<br /> Balance </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Recorded<br /> Investment </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Allowance<br /> for Loan<br /> Losses<br /> Allocated</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Unpaid<br /> Principal<br /> Balance </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Recorded<br /> Investment </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Allowance<br /> for Loan<br /> Losses<br /> Allocated</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="3"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="3"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">With no related allowance recorded:</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,270</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,580</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5,557</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5,125</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,297</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,297</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,392</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,431</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,962</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,434</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,138</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,429</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">161</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">161</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total with no related allowance recorded</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">10,690</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">9,472</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">16,087</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">10,985</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times" colspan="3"> <p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">With an allowance recorded:</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">7,361</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,862</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,384</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">9,695</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">9,249</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,427</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">85</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">85</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">14</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,753</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,753</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,002</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,429</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,200</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">609</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,862</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5,428</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">853</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Home Equity</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">456</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">456</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">46</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">778</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total with an allowance recorded</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">11,331</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">9,603</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,053</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">22,208</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">20,328</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,060</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">22,021</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">19,075</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,053</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">38,295</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,313</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,060</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents interest recognized and cash-basis interest earned on impaired loans for the periods indicated: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 59.13%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 390px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"150%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="150%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="58"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="77"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="61"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="39"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="49"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="91"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>Three Months Ended September&nbsp;30, 2011</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>Real Estate </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times" rowspan="2"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2" rowspan="2"><font size="1"><b>Three<br /> Months<br /> Ended<br /> September&nbsp;30, 2010<br /> Total</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial and<br /> Residential </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Land and<br /> Construction </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Home<br /> Equity </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Consumer </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="20"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Average of impaired loans during the period</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">11,740</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,297</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,411</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,317</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">800</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">21,565</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">47,111</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Interest income during impairment</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Cash-basis interest earned</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;<br /></font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 59.59%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 396px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"150%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="150%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="58"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="77"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="61"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="39"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="49"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="91"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>Nine Months Ended September&nbsp;30, 2011</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>Real Estate </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times" rowspan="2"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2" rowspan="2"><font size="1"><b>Nine<br /> Months<br /> Ended<br /> September&nbsp;30, 2010<br /> Total</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Commercial and<br /> Residential </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Land and<br /> Construction </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Home<br /> Equity </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Consumer </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="20"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Average of impaired loans during the period</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">12,777</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">3,186</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,213</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,729</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">848</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">24,753</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">55,950</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Interest income during impairment</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">41</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Cash-basis interest earned</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">27</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonperforming loans include both smaller dollar balance homogenous loans that are collectively evaluated for impairment and individually classified loans. Nonperforming loans were as follows at period-end: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="64"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times" rowspan="2"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5" rowspan="2"><font size="1"><b>September&nbsp;30, </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times" rowspan="2"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2" rowspan="2"><font size="1"><b>December&nbsp;31,<br /> 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Nonaccrual loans&#151;held-for-sale</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">191</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">4,552</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,026</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Nonaccrual loans&#151;held-for-investment</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">16,419</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">41,757</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">28,821</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Restructured and loans over 90&nbsp;days past due and still accruing</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,656</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,687</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,492</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">19,266</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">48,996</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">33,339</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents the nonperforming loans by class as of September&nbsp;30, 2011 and December&nbsp;31, 2010: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 66.01%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 295px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"150%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="150%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="6"></td> <td style="FONT-FAMILY: times" width="55"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="6"></td> <td style="FONT-FAMILY: times" width="94"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="6"></td> <td style="FONT-FAMILY: times" width="42"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="6"></td> <td style="FONT-FAMILY: times" width="55"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="6"></td> <td style="FONT-FAMILY: times" width="94"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="6"></td> <td style="FONT-FAMILY: times" width="42"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Nonaccrual </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Restructured and<br /> Loans Over 90 Days<br /> Past Due and<br /> Still Accruing </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Nonaccrual </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Restructured and<br /> Loans Over 90 Days<br /> Past Due and<br /> Still Accruing </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">8,487</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,206</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">10,693</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">13,545</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">829</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">14,374</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,285</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,285</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,450</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,663</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">8,113</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,831</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,831</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">9,954</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">9,954</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Home equity</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">7</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">450</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">457</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">16,610</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,656</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">19,266</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">30,847</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,492</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">33,339</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents the aging of past due loans as of September&nbsp;30, 2011 by class of loans: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 70.36%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 263px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"130%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="130%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="44"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="44"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="53"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>30&nbsp;-&nbsp;59<br /> Days<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>60&nbsp;-&nbsp;89<br /> Days<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>90 Days or<br /> Greater<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Loans Not<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,976</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,950</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">4,126</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">9,052</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">356,480</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">365,532</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,065</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,065</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">309,657</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">310,722</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,761</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,761</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">30,596</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">36,357</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Home equity</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">400</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">400</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">51,268</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">51,668</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">456</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">456</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,373</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,829</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,441</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,950</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,343</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">16,734</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">759,374</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">776,108</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents the aging of past due loans as of December&nbsp;31, 2010 by class of loans: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 70.91%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 262px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"130%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="130%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="44"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="44"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="53"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>30&nbsp;-&nbsp;59<br /> Days<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>60&nbsp;-&nbsp;89<br /> Days<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>90 Days or<br /> Greater<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Loans Not<br /> Past Due </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,176</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">807</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">14,374</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">18,357</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">360,055</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">378,412</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,078</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,595</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">7,184</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">9,857</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">327,600</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">337,457</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,857</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,857</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">53,499</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">62,356</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Home equity</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">80</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">80</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">53,617</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">53,697</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">12,346</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,244</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">4,334</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,402</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">31,313</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">38,049</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">807,117</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">845,166</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Past due loans 30&nbsp;days or greater totaled $16,734,000 and $38,049,000 at September&nbsp;30, 2011 and December&nbsp;31, 2010, respectively, of which $10,045,000 and $28,821,000 were on nonaccrual. At September&nbsp;30, 2011, there were also $6,374,000 loans less than 30&nbsp;days past due included in nonaccrual loans held-for-investment. There were no current loans included in nonaccrual loans held-for-investment at December&nbsp;31, 2010. Management's classification of a loan as "nonaccrual" is an indication that there is reasonable doubt as to the full recovery of principal or interest on the loan. At that point, the Company stops accruing interest income, and reverses any uncollected interest that had been accrued as income. The Company begins recognizing interest income only as cash interest payments are received and it has been determined the collection of all outstanding principal is not in doubt. The loans may or may not be collateralized, and collection efforts are pursued.</font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Credit Quality Indicators</i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Concentrations of credit risk arise when a number of clients are engaged in similar business activities, or activities in the same geographic region, or have similar features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company's loan portfolio is concentrated in commercial (primarily manufacturing, wholesale, and service) and real estate lending, with the balance in consumer loans. While no specific industry concentration is considered significant, the Company's lending operations are located in the Company's market areas that are dependent on the technology and real estate industries and their supporting companies. Thus, the Company's borrowers could be adversely impacted by a continued downturn in these sectors of the economy which could reduce the demand for loans and adversely impact the borrowers' ability to repay their loans. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a quarterly basis. Nonclassified loans generally include those loans that are expected to be repaid in accordance with contractual loans terms. Classified loans are those loans that are assigned a substandard, substandard-nonaccrual, or doubtful risk rating using the following definitions:</font></p> <p style="FONT-FAMILY: times"><font size="2"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Substandard.</i></font><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. </font></p> <p style="FONT-FAMILY: times"><font size="2"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Substandard-Nonaccrual.</i></font><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;Loans classified as substandard-nonaccrual are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. In addition, the Company no longer accrues interest on the loan because of the underlying weaknesses. </font></p> <p style="FONT-FAMILY: times"><font size="2"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Doubtful.</i></font><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table provides a summary of the loan portfolio by loan type and credit quality classification at September&nbsp;30, 2011 and December&nbsp;31, 2010:</font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 66.01%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 270px"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"140%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="140%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left" width="10"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="63"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="47"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="63"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="47"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Nonclassified </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Classified </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Nonclassified </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Classified </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Total </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left" colspan="2"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="17"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">336,855</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">28,677</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">365,532</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">340,319</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">38,093</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">378,412</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">291,686</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">19,036</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">310,722</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">320,867</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">16,590</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">337,457</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">14,165</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">22,192</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">36,357</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">32,664</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">29,692</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">62,356</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Home equity</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">51,019</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">649</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">51,668</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">50,757</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,940</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">53,697</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,647</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">182</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">11,829</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">12,346</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">898</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">13,244</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Total</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">705,372</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">70,736</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">776,108</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">756,953</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">88,213</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">845,166</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company's underwriting policy. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During the three months and nine months ended September&nbsp;30, 2011, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or more combination of the following: a reduction of the stated interest rate of the loan; an extension of maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As a result of adopting the amended guidance in determining whether a restructuring is a troubled debt restructuring, the Company reassessed all restructurings that occurred on or after January&nbsp;1, 2011 for identification as troubled debt restructurings. The Company did not identify any loans as troubled debt restructurings for which the allowance for loan losses had previously been measured under a general allowance for loan losses methodology. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The book balance of troubled debt restructurings at September&nbsp;30, 2011 was $5,651,000, which included $3,445,000 of nonaccrual loans and $2,206,000 of accruing loans. The book balance of troubled debt restructurings at December&nbsp;31, 2010 was $7,924,000, which included $5,432,000 of nonaccrual loans and $2,492,000 of accruing loans. Approximately $301,000 and $1,134,000 in specific reserves were established with respect to these loans as of September&nbsp;30, 2011 and December&nbsp;31, 2010. As of September&nbsp;30, 2011 and December&nbsp;31, 2010, the Company had no additional amounts committed on any loan classified as a troubled debt restructuring. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents loans by class modified as troubled debt restructurings during the three month period ended September&nbsp;30, 2011: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="47"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="78"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="82"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>During the Three Months<br /> Ended September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" nowrap="nowrap" align="left"> <div style="MARGIN-BOTTOM: 0pt; WIDTH: 107pt; BORDER-BOTTOM: #000000 1pt solid"><font size="1"><b>Troubled Debt Restructurings: <!-- COMMAND=ADD_SCROPPEDRULE,107pt --></b></font></div></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Number<br /> of<br /> Contracts </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Pre-modification<br /> Outstanding<br /> Recorded<br /> Investment</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Post-modification<br /> Outstanding<br /> Recorded<br /> Investment</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">6</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,557</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,370</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The troubled debt restructurings described above increased the allowance for loan losses by $144,000 through the allocation of specific reserves, and resulted in net charge-offs of $174,000 during the three month period ended September&nbsp;30, 2011. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents loans by class modified as troubled debt restructurings during the nine month period ended September&nbsp;30, 2011: </font></p> <div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="47"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="78"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" align="right" width="7"></td> <td style="FONT-FAMILY: times" width="82"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>During the Nine Months Ended<br /> September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" nowrap="nowrap" align="left"> <div style="MARGIN-BOTTOM: 0pt; WIDTH: 107pt; BORDER-BOTTOM: #000000 1pt solid"><font size="1"><b>Troubled Debt Restructurings: <!-- COMMAND=ADD_SCROPPEDRULE,107pt --></b></font></div></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Number<br /> of<br /> Contracts </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Pre-modification<br /> Outstanding<br /> Recorded<br /> Investment</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"><font size="1"><b>Post-modification<br /> Outstanding<br /> Recorded<br /> Investment</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" align="center" colspan="8"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom"> <p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">7</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,249</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,057</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The troubled debt restructurings described above increased the allowance for loan losses by $158,000 through the allocation of specific reserves, and resulted in net charge-offs of $174,000 during the nine months period ended September&nbsp;30, 2011. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A loan is considered to be in payment default when it is 30&nbsp;days contractually past due under the modified terms. There were no defaults on troubled debt restructurings, within twelve months following the modification, during the three month and nine month periods ended September&nbsp;30, 2011.</font></p></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>5) Preferred Stock </b></font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Series&nbsp;A Preferred Stock</i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On November&nbsp;21, 2008, the Company issued 40,000 shares of Series&nbsp;A Fixed Rate Cumulative Perpetual Preferred Stock ("Series&nbsp;A Preferred Stock") to the U.S. Treasury under the terms of the U.S. Treasury Capital Purchase Program for $40,000,000 with a liquidation preference of $1,000 per share. The Series&nbsp;A Preferred Stock carries a coupon of 5% for five years and 9% thereafter. In November 2009, the Company announced that it was exercising its right to suspend payment of dividends on its Series&nbsp;A Preferred Stock. On July&nbsp;28, 2011, the Board of Directors of the Company declared a dividend on its Series&nbsp;A Preferred Stock held by the U.S. Treasury in an aggregate amount of $4,172,000. The dividend was paid on August&nbsp;1, 2011. Of the aggregate dividend declared and paid, $3,500,000 was attributable to the dividend periods ending November&nbsp;15, 2009 through May&nbsp;15, 2011 and $172,000 was for interest on the deferred dividend payments. The balance of $500,000 was the dividend payable for the period ending August&nbsp;15, 2011. As a result of the dividend payment, the Company is current with respect to dividends accrued and owed to the U.S. Treasury. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Private Placement</i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On June&nbsp;21, 2010, the Company issued to various institutional investors 53,996 shares of Series&nbsp;B Mandatory Convertible Perpetual Preferred Stock ("Series&nbsp;B Preferred Stock") and 21,004 shares of Series&nbsp;C Convertible Perpetual Preferred Stock ("Series&nbsp;C Preferred Stock") for an aggregate purchase price of $75,000,000. The Series&nbsp;B Preferred Stock was mandatorily convertible into common stock, upon approval by the shareholders, at a conversion price of $3.75 per share. The Series&nbsp;C Preferred Stock is mandatorily convertible into common stock at a conversion price of $3.75 per share upon both approval by the shareholders and thereafter, a subsequent transfer of the Series&nbsp;C Preferred Stock to third parties not affiliated with the holder in a widely dispersed offering. The Series&nbsp;B Preferred Stock and the Series&nbsp;C Preferred Stock did not include a beneficial conversion feature, as the conversion price of $3.75 per share was not below the fair market value of the Company's common stock on the commitment date.</font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At the Company's Special Meeting of shareholders held on September&nbsp;15, 2010, the Company's shareholders approved the issuance of common stock upon the conversion of the Series&nbsp;B Preferred Stock and upon the conversion of the Series&nbsp;C Preferred Stock, as required by the NASDAQ Stock Market and California corporate law. As a result, on September&nbsp;16, 2010, the Series&nbsp;B Preferred Stock was converted into 14,398,992 shares of common stock of the Company and the shares of Series&nbsp;B Preferred Stock ceased to be outstanding. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Series&nbsp;C Preferred Stock remains outstanding until it has been converted into common stock in accordance with its terms. The Series&nbsp;C Preferred Stock is non-voting except in the case of certain transactions that would affect the rights of the holders of the Series&nbsp;C Preferred Stock or applicable law. Holders of Series&nbsp;C Preferred Stock will receive dividends if and only to the extent dividends are paid to holders of common stock. The Series&nbsp;C Preferred Stock is not redeemable by the Company or by the holders and has a liquidation preference of $1,000 per share. The Series&nbsp;C Preferred Stock ranks senior to the Company's common stock and ranks on parity with the Company's Series&nbsp;A Preferred Stock.</font></p></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>6) Income Taxes </b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Some items of income and expense are recognized in different years for tax purposes than when applying generally accepted accounting principles, leading to timing differences between the Company's actual tax liability and the amount accrued for this liability based on book income. These temporary differences comprise the "deferred" portion of the Company's tax expense or benefit, which is accumulated on the Company's books as a deferred tax asset or deferred tax liability until such time as they reverse. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Realization of the Company's deferred tax assets is primarily dependent upon the Company generating sufficient taxable income to obtain benefit from the reversal of net deductible temporary differences and utilization of tax credit carryforwards and the net operating loss carryforwards for Federal and California state income tax purposes. The amount of deferred tax assets considered realizable is subject to adjustment in future periods based on estimates of future taxable income. Under generally accepted accounting principles, a valuation allowance is required to be recognized if it is "more likely than not" that a deferred tax asset will not be realized. The determination of the realizability of the deferred tax assets is highly subjective and dependent upon judgment concerning management's evaluation of both positive and negative evidence, including forecasts of future income, cumulative losses, applicable tax planning strategies, and assessments of current and future economic and business conditions. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company had net deferred tax assets of $27,361,000, net of a $3,700,000 partial valuation allowance, as of December&nbsp;31, 2010. In analyzing the deferred tax assets as of September&nbsp;30, 2011, based on the factors above, the Company estimated it was more likely than not that the Company will realize approximately $21,134,000 of the benefits of the deductible differences, and therefore, a $700,000 partial valuation allowance for deferred tax assets was recorded as of September&nbsp;30, 2011. The income tax benefit of $2,529,000 for the third quarter of 2011, and $1,068,000 for the nine months ended September&nbsp;30, 2011, are net of the $3,000,000 reduction in the partial valuation allowance from $3,700,000 as of December&nbsp;31, 2010 to $700,000 as of September&nbsp;30, 2011.</font></p></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>7) Benefit Plans </b></font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Supplemental Retirement Plan</i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has a supplemental retirement plan (the "Plan") covering current and former key executives and directors. The Plan is a nonqualified defined benefit plan. Benefits are unsecured as there are no Plan assets. The following table presents the amount of periodic cost recognized for the periods indicated: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="30"></td> <td style="FONT-FAMILY: times" width="36"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="30"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="39"></td> <td style="FONT-FAMILY: times" width="24"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="39"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>Three&nbsp;Months&nbsp;Ended<br /> September&nbsp;30,</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>Nine&nbsp;Months&nbsp;Ended<br /> September&nbsp;30,</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="11" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Components of net periodic benefit cost:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Service cost</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">236</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">244</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">708</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">732</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Interest cost</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">206</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">209</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">618</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">627</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Amortization of prior service cost</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">9</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">9</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">27</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">27</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Amortization of net actuarial loss</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">31</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">17</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">93</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">51</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Net periodic benefit cost</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">482</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">479</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,446</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,437</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2"><b><i>Split-Dollar Life Insurance Benefit Plan </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company maintains life insurance policies for current and former directors and officers that are subject to split-dollar life insurance agreements. During the third quarter of 2011, participants in the split-dollar life insurance benefit plan agreed to amend their agreements. As a result of the amended agreements, the benefit plan liability was reduced from $6,361,000 as of December&nbsp;31, 2010 to $3,642,000 as of September&nbsp;30, 2011. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table sets forth the funded status of the split-dollar life insurance benefits for the nine months ended September&nbsp;30, 2011 and the twelve months ended December&nbsp;31, 2010: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="91"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="88"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Change in projected benefit obligation</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Projected benefit obligation at beginning of year</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">6,361</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">6,957</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Interest cost</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">254</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">392</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Actuarial gain</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(833</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Benefits paid</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(155</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Amendments to split dollar agreements</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(2,973</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Projected benefit obligation at end of period</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,642</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">6,361</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amounts recognized in accumulated other comprehensive loss at September&nbsp;30, 2011 and December&nbsp;31, 2010 consist of the following: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="91"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="88"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Net actuarial gain</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(407</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">(407</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Prior transition obligation</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,939</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">4,049</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Accumulated other comprehensive loss</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,532</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,642</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>8) Fair Value </b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounting guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;2: Significant other observable inputs other than Level&nbsp;1 prices such as quoted prices for similar assets or liabilities in active markets; quoted prices for identical assets or liabilities in markets that are not active; or other inputs that are observable or can be corroborated by observable market data (for example, interest rates and yield curves observable at commonly quoted intervals, prepayment speeds, credit risks, and default rates). </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.</font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Financial Assets and Liabilities Measured on a Recurring Basis </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair values of securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level&nbsp;1 inputs) or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level&nbsp;2 inputs). </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of interest-only ("I/O") strip receivable assets is based on a valuation model used by a third party. The Company is able to compare the valuation model inputs and results to widely available published industry data for reasonableness (Level&nbsp;2 inputs). </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="87"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="53"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="64"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="8" align="center"><font size="1"><b>Fair Value Measurements Using </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Balance </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Quoted Prices in<br /> Active Markets for<br /> Identical Assets<br /> (Level&nbsp;1) </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Significant<br /> Other<br /> Observable<br /> Inputs<br /> (Level&nbsp;2)</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Significant<br /> Unobservable<br /> Inputs<br /> (Level&nbsp;3)</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="11" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Assets at September&nbsp;30, 2011:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Available-for-sale securities:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Agency Mortgage-Backed Securities</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">312,125</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">312,125</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">I/O strip receivables</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,180</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,180</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-TOP: 12pt; TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Assets at December&nbsp;31, 2010:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Available-for-sale securities:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Agency Mortgage-Backed Securities</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">232,165</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">232,165</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">I/O strip receivables</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,140</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,140</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There were no transfers between Level&nbsp;1 and Level&nbsp;2 during the period for assets measured at fair value on a recurring basis. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Assets and Liabilities Measured on a Non-Recurring Basis </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of loans held-for-sale is generally based on obtaining bids and broker indications on the estimated value of these loans held-for-sale, resulting in a Level&nbsp;2 classification. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. The appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level&nbsp;3 classification of the inputs for determining fair value. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonrecurring adjustments to certain commercial and residential estate properties classified as other real estate owned are measured at the lower of carrying amount or fair value, less costs to sell. Fair values are generally based on third party appraisals of the property, resulting in a Level&nbsp;3 classification. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized. </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="87"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="53"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="64"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="4" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="2">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="8" align="center"><font size="1"><b>Fair Value Measurements Using </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="4" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Balance </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Quoted Prices in<br /> Active Markets for<br /> Identical Assets<br /> (Level&nbsp;1) </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Significant<br /> Other<br /> Observable<br /> Inputs<br /> (Level&nbsp;2)</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Significant<br /> Unobservable<br /> Inputs<br /> (Level&nbsp;3)</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="4" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="11" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Assets at September&nbsp;30, 2011:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Impaired loans held-for-sale&#151;other:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">191</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">191</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Impaired loans&#151;held-for-investment:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,993</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,993</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">967</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">967</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,277</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,277</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">410</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">410</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt">&nbsp;</p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,647</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">10,647</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Other real estate owned</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,229</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,229</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4"> <p style="MARGIN-TOP: 12pt; TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Assets at December&nbsp;31, 2010:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Impaired loans held-for-sale&#151;other:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">929</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">929</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,097</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">1,097</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt">&nbsp;</p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,026</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,026</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Impaired loans&#151;held-for-investment:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Commercial</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">6,725</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">6,725</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Real estate:</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Commercial and residential</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,982</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,982</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Land and construction</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,005</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">8,005</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Consumer</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">120</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">120</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt">&nbsp;</p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">20,832</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">20,832</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="4">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" colspan="3"> <p style="MARGIN-TOP: 12pt; TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Other real estate owned</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2"><br /> $</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2"><br /> 1,296</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2"><br /> &#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2"><br /> &#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2"><br /> $</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2"><br /> 1,296</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table shows the detail of the impaired loans held-for-investment and the impaired loans held-for-investment carried at fair value for the periods indicated: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="91"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="88"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="3" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Impaired loans held-for-investment:</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Book value of impaired loans held-for-investment carried at fair value</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">13,700</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">26,892</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Book value of impaired loans held-for-investment carried at cost</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5,375</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,421</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Total impaired loans held-for-investment</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">19,075</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">31,313</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Impaired loans held-for-investment carried at fair value:</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Book value of impaired loans held-for-investment carried at fair value</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">13,700</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">26,892</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Specific valuation allowance</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(3,053</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(6,060</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Impaired loans held-for-investment carried at fair value, net</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">10,647</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">20,832</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="3">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Impaired loans held-for-investment which are measured primarily for impairment using the fair value of the collateral were $19,075,000 at September&nbsp;30, 2011, after partial charge-offs of $2,946,000 in the first nine months of 2011. In addition, these loans had a specific valuation allowance of $3,053,000 at September&nbsp;30, 2011. Impaired loans held-for-investment totaling $13,700,000 at September&nbsp;30, 2011 were carried at fair value as a result of the aforementioned partial charge-offs and specific valuation allowances at period-end. The remaining $5,375,000 of impaired loans were carried at cost at September&nbsp;30, 2011, as the fair value of the collateral exceeded the cost basis of each respective loan. Partial charge-offs and changes in specific valuation allowances during the first nine months of 2011 on impaired loans held-for-investment carried at fair value at September&nbsp;30, 2011 resulted in an additional provision for loan losses of $2,725,000. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total other real estate owned, consisting of two properties, had a fair value of $1,229,000 at September&nbsp;30, 2011. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Impaired loans held-for-investment which are measured primarily for impairment using the fair value of the collateral totaled $31,313,000 at December&nbsp;31, 2010, after partial charge-offs of $6,982,000 in 2010. In addition, these loans had a specific valuation allowance of $6,060,000 at December&nbsp;31, 2010. Impaired loans held-for-investment totaling $26,892,000 at December&nbsp;31, 2010 were carried at fair value as a result of the aforementioned partial charge-offs and specific valuation allowances at year-end. The remaining $4,421,000 of impaired loans were carried at cost at December&nbsp;31, 2010, as the fair value of the collateral exceeded the cost basis of each respective loan. Partial charge-offs and changes in specific valuation allowances during 2010 on impaired loans held-for-investment carried at fair value at December&nbsp;31, 2010 resulted in an additional provision for loan losses of $9,791,000. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total other real estate owned, consisting of one property, had a fair value of $1,296,000 at December&nbsp;31, 2010. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The carrying amounts and estimated fair values of the Company's financial instruments for the periods indicated were as follows: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="51"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>September&nbsp;30, 2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>December&nbsp;31, 2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Carrying<br /></b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Estimated<br /> Fair<br /></b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Carrying<br /></b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>Estimated<br /> <br /></b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="2" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="11" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2"><b>Assets:</b></font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Cash and cash equivalents</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">23,720</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">23,720</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">72,177</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">72,177</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Securities available-for-sale</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">312,125</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">312,125</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">232,165</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">232,165</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Loans (including loans held-for-sale), net</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">759,447</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">761,555</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">831,855</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">855,327</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">FHLB and FRB stock</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">9,921</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">N/A</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">9,174</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">N/A</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Accrued interest receivable</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,297</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,297</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,215</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,215</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Loan servicing rights and I/O strips receivables</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,989</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,479</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">3,055</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,340</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times" valign="bottom" colspan="2"> <p style="MARGIN-TOP: 12pt; TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2"><b>Liabilities:</b></font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Time deposits</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">254,188</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">255,082</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">287,344</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">288,798</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Other deposits</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">751,946</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">751,946</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">706,574</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">706,574</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Securities sold under agreement to repurchase</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,000</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">5,018</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Short-term borrowings</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">&#151;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,445</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,445</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Subordinated debt</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">23,702</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">15,465</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">23,702</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">14,445</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="top" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Accrued interest payable</font></p></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">409</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">409</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,810</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" valign="bottom" align="right"><font size="2">2,810</font></td> <td style="FONT-FAMILY: times" valign="bottom"><font size="2">&nbsp;</font></td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The methods and assumptions, not previously discussed, used to estimate the fair value are described as follows: </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Cash and Cash Equivalents and Accrued Interest Receivable and Payable </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The carrying amount approximates fair value because of the short maturities of these instruments.</font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Loans </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans with similar financial characteristics are grouped together for purposes of estimating their fair value. Loans are segregated by type such as commercial, term real estate, construction and land development, and consumer. Each loan category is further segmented into fixed and adjustable rate interest terms. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of performing, fixed rate loans is calculated by discounting scheduled future cash flows using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The fair value of variable rate loans approximates the carrying amount as these loans generally reprice within 90&nbsp;days. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of loans held-for-sale is based on estimated market values from third party investors.</font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>FHLB and FRB Stock</i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;It was not practical to determine the fair value of FHLB and FRB stock due to the restrictions placed on transferability. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Deposits </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of deposits with no stated maturity, such as demand deposits, savings, and money market accounts, approximates the amount payable on demand. The carrying amount approximates the fair value of time deposits with a remaining maturity of less than 90&nbsp;days. The fair value of all other time deposits is calculated based on discounting the future cash flows using rates currently offered for time deposits with similar remaining maturities. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Subordinated Debt and Securities Sold Under Agreement to Purchase </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair values of subordinated debt and securities sold under agreement to repurchase were determined based on the current market value for like kind instruments of a similar maturity and structure. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Short-term Borrowings and Note Payable </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The carrying amount approximates the fair value of short-term borrowings and the note payable that reprice frequently and fully. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Off-Balance Sheet Items</i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of off-balance sheet items, such as commitments to extend credit, is not considered material and therefore is not included in the table above. </font></p> <p style="FONT-FAMILY: times"><font size="2"><b><i>Limitations </i></b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair value estimates are made at a specific point in time, based on relevant market information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering for sale at one time the entire holdings of a particular financial instrument. 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></p></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>10) Equity Plan </b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company granted 62,000 restricted shares of its common stock, at a grant price of $5.16, to eight officers pursuant to the terms of the restricted stock agreements, dated June&nbsp;16, 2011, under the Amended and Restated 2004 Equity Plan. Under the terms of the agreements, the common stock is subject to risk of forfeiture until the common stock has vested. The common stock will vest upon the later of: (a)&nbsp;the date the Company has redeemed all of the issued and outstanding shares of the Company's Series&nbsp;A Fixed Rate Cumulative Perpetual Preferred Stock, or (b)&nbsp;upon the second anniversary of the grant date. However, upon the occurrence of a change in control, or the death or disability of the participant, the common stock will vest immediately. The fair value of stock awards at the grant date was $319,920, which is being amortized over a two year period on the straight-line method. Amortization expense related to the 62,000 shares was $46,000 for the nine months ended September&nbsp;30, 2011. None of the shares were vested at September&nbsp;30, 2011. </font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company also granted 150,000 shares of unqualified stock options to directors and employees in June 2011. The exercise price was $5.16 per share, and the options vest over four years. Stock option expense related to the 150,000 shares was $33,000 for the nine months ended September&nbsp;30, 2011. As of September&nbsp;30, 2011, there was $402,000 of unrecognized compensation expense related to the 150,000 nonvested stock options granted in June 2011.</font></p></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>11) Comprehensive Income (Loss)</b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Comprehensive income (loss) consists of other comprehensive income and net income (loss). Other comprehensive income refers to gains and losses that are included in comprehensive income (loss) but are excluded from net income (loss) because they have been recorded directly in equity under the provisions of other accounting guidance. The following is a summary of the components of other comprehensive (loss) income: </font></p> <div style="POSITION: relative; PADDING-BOTTOM: 0pt; PADDING-LEFT: 0pt; WIDTH: 80%; PADDING-RIGHT: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt"> <p style="FONT-FAMILY: times"><font size="2"><!-- COMMAND=ADD_TABLEWIDTH,"100%" --></font></p> <!-- User-specified TAGGED TABLE --> <div align="center"> <table border="0" cellspacing="0" cellpadding="0" width="100%"> <tr style="HEIGHT: 0px"><!-- TABLE COLUMN WIDTHS SET --> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" width="10" align="left"></td> <td style="FONT-FAMILY: times" align="left"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="44"></td> <td style="FONT-FAMILY: times" width="24"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="39"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="45"></td> <td style="FONT-FAMILY: times" width="12"></td> <td style="FONT-FAMILY: times" width="7" align="right"></td> <td style="FONT-FAMILY: times" width="50"></td> <td style="FONT-FAMILY: times" width="12"></td><!-- TABLE COLUMN WIDTHS END --></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="5" align="left"><font size="2">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>For the Three Months<br /> Ended<br /> September&nbsp;30,</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="5" align="center"><font size="1"><b>For the Nine Months<br /> Ended<br /> September&nbsp;30,</b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="5" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2011 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" colspan="2" align="center"><font size="1"><b>2010 </b></font></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom"> <th style="FONT-FAMILY: times" colspan="5" align="left"><font size="1">&nbsp;</font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th> <th style="FONT-FAMILY: times" colspan="11" align="center"><font size="1"><b>(Dollars in thousands)</b></font><br /></th> <th style="FONT-FAMILY: times"><font size="1">&nbsp;</font></th></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="5"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Net income (loss)</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,817</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">651</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">8,484</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(57,562</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times" colspan="5"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Net unrealized holding gains on available-for-sale securities and I/O strips</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">7,733</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,417</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">11,607</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,769</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="5"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Less: Deferred income tax</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(3,248</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(595</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(4,875</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(743</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="5">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="4"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Change in unrealized gains on available-for-sale securities and I/O strips, net of deferred income tax</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">4,485</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">822</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">6,732</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,026</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="5">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times" colspan="5"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Net pension and other post retirement plan liability adjustment</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,034</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">112</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">2,229</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">348</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times" colspan="5"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Less: Deferred income tax</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(1,498</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(47</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(1,579</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(146</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="5">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="4"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Change in pension and other post retirement plan liability, net of deferred income tax</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">536</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">65</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">650</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">202</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="5">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times" colspan="3"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Other comprehensive income</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">5,021</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">887</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">7,382</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,228</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="5">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr> <tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"><font size="0">&nbsp;</font></td> <td style="FONT-FAMILY: times"> <p style="TEXT-INDENT: -10pt; FONT-FAMILY: times; MARGIN-LEFT: 10pt"><font size="2">Total comprehensive income (loss)</font></p></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">9,838</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">1,538</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">15,866</font></td> <td style="FONT-FAMILY: times"><font size="2">&nbsp;</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">$</font></td> <td style="FONT-FAMILY: times" align="right"><font size="2">(56,334</font></td> <td style="FONT-FAMILY: times"><font size="2">)</font></td></tr> <tr style="HEIGHT: 0px; FONT-SIZE: 1.5pt" valign="top"> <td style="FONT-FAMILY: times" valign="bottom" colspan="5">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td> <td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" colspan="2" align="right">&nbsp;</td> <td style="FONT-FAMILY: times" valign="bottom">&nbsp;</td></tr></table></div> <!-- end of user-specified TAGGED TABLE --></div></td></tr></table> <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>12) Subordinated Debt</b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In November 2009, the Company announced that it was exercising its right to defer regularly scheduled interest payments on its $23,702,000 of junior subordinated notes relating to its trust preferred securities. From the time it deferred interest payments, the Company accrued the expense of each deferred interest payment at the normal rate on a compounded basis. On June&nbsp;24, 2011, the Company paid all of the deferred interest payments on its outstanding trust preferred subordinated debt securities in the amount of $3,884,000, which includes all payments due through September&nbsp;8, 2011. As a result of the interest payment, the Company is current with respect to interest accrued on trust preferred subordinated debt securities.</font></p></td></tr></table> HERITAGE COMMERCE CORP 0001053352 10-Q 2011-09-30 false --12-31 Yes Smaller Reporting Company 2011 Q3 26295001 26295001 6732000 650000 -27000 1439000 293000 457000 182152000 651000 8484000 -57562000 -50228000 50228000 -53996 14398992 9586000 6544000 -6584000 158535000 599000 19914000 <table style="font-size:10pt; font-family:'Times New Roman',times,serif;"> <tr> <td> <p style="FONT-FAMILY: times"><font size="2"><b>9) Regulatory Matters</b></font></p> <p style="FONT-FAMILY: times"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In 2011, the Federal Reserve Bank of San Francisco ("FRB") and the State of California Department of Financial Institutions ("DFI") issued a joint order terminating the regulatory written agreement ("Written Agreement") entered into on February&nbsp;17, 2010, among the Company, HBC, the FRB and the DFI. Effective June&nbsp;9, 2011, the Company and HBC are no longer subject to the terms and conditions of the Written Agreement.</font></p></td></tr></table> 50228000 1080000 39846000 80222000 56389000 -2554000 172305000 59365000 130531000 -1866000 -4651000 59384000 131329000 -2965000 -1326000 185100000 59365000 131015000 4886000 2731000 197063000 -57562000 -57562000 8484000 8484000 -56334000 15866000 23720000 52058000 312125000 3391000 421000 776684000 21049000 755635000 9921000 45202000 8019000 2622000 39586000 344470000 132987000 274489000 30858000 119429000 10216000 93685000 23702000 25801000 934000 131015000 4886000 2731000 1252700000 10530000 32205000 2457000 6697000 33000 119000 852000 3191000 468000 1400000 24000 38000 11700000 34368000 1515000 10185000 31129000 605000 1759000 434000 1280000 426000 268000 179000 566000 5000000 15504000 1012000 3082000 707000 2002000 617000 820000 256000 785000 234000 653000 232000 718000 167000 1074000 84000 231000 1500000 4814000 2288000 7416000 -2529000 -1068000 4817000 532000 1732000 0.13 0.21 0.13 0.21 -293000 95841000 26432000 -70000 -59719000 747000 201000 2465000 1769000 250000 12216000 4172000 -5000000 -2445000 7054000 490000 2252000 3601000 184993000 EX-101.SCH 8 htbk-20110930.xsd EX-101.SCH 0015 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 0010 - Statement - CONSOLIDATED BALANCE SHEETS link:presentationLink link:calculationLink link:definitionLink 9999 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink 0020 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS link:presentationLink link:calculationLink link:definitionLink 0040 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS link:presentationLink link:calculationLink link:definitionLink 1010 - Disclosure - Basis of Presentation link:presentationLink link:calculationLink link:definitionLink 0030 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY link:presentationLink link:calculationLink link:definitionLink 1030 - Disclosure - Securities link:presentationLink link:calculationLink link:definitionLink 8020 - Disclosure - Loans and Loan Servicing link:presentationLink link:calculationLink link:definitionLink 8030 - Disclosure - Private Placement link:presentationLink link:calculationLink link:definitionLink 8010 - Disclosure - Goodwill and Intangible Assets link:presentationLink link:calculationLink link:definitionLink 1060 - Disclosure - Income Taxes link:presentationLink link:calculationLink link:definitionLink 1070 - Disclosure - Benefit Plans link:presentationLink link:calculationLink link:definitionLink 1080 - Disclosure - Fair Value link:presentationLink link:calculationLink link:definitionLink 1090 - Disclosure - Regulatory Matters link:presentationLink link:calculationLink link:definitionLink 8000 - Statement - Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 1020 - Disclosure - Earnings Per Share link:presentationLink link:calculationLink link:definitionLink 1050 - Disclosure - Preferred Stock link:presentationLink link:calculationLink link:definitionLink 1040 - Disclosure - Loans link:presentationLink link:calculationLink link:definitionLink 1100 - Disclosure - Equity Plan link:presentationLink link:calculationLink link:definitionLink 1120 - Disclosure - Subordinated Debt link:presentationLink link:calculationLink link:definitionLink 8040 - Disclosure - Subsequent Events link:presentationLink link:calculationLink link:definitionLink 1110 - Disclosure - Comprehensive Income (Loss) link:presentationLink link:calculationLink link:definitionLink 0031 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY Calc 2 link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 9 htbk-20110930_cal.xml EX-101.CAL EX-101.DEF 10 htbk-20110930_def.xml EX-101.DEF EX-101.LAB 11 htbk-20110930_lab.xml EX-101.LAB Series A Preferred Stock Outstanding redeemable series A preferred stock upon which unpaid dividends accumulate at a fixed rate per annum until paid to shareholders. Classified within stockholders' equity if redeemable solely at the option of the issuer. Series A Fixed Rate Cumulative Preferred Stock [Member] Series C Preferred Stock Outstanding nonredeemable series C preferred stock which has priority over common stock in the distribution of dividends and which accumulate until paid to shareholders. Series C preferred stock will be automatically converted into common shares in accordance with the issuer's terms. Classified within stockholders' equity if nonredeemable solely at the option of the issuer. Series C Convertible Perpetual Preferred Stock [Member] Series B Preferred Stock Outstanding nonredeemable series B preferred stock which has priority over common stock in the distribution of dividends and which accumulate until paid to the shareholders. Series B preferred stock will be automatically converted into common shares in accordance with the issuer's terms. Classified within stockholders' equity if nonredeemable solely at the option of the issuer. Series B Manditorily Convertible Cumulative Perpetual Preferred Stock [Member] Preferred Stock Liquidation Preference Amount Plus Accrued Dividends Liquidation preference (in dollars) This element represents the dollar value of the liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated value of the shares. This element also includes the amount of dividends accrued for the preferred shares outstanding. Liquidation preference (in dollars per share) Preferred Stock Liquidation Preference Plus Accrued Dividends Per Share This element represents the per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share. This element also includes the amount of dividends accrued in the period for each share of preferred stock outstanding. Loans Held For Sale, Including Deferred Costs Reflects the carrying amount of SBA loans, held for sale to other entities, net of deferred costs. Loans held-for-sale - SBA, at lower of cost or fair value, including deferred costs Accrued interest receivable and other assets Accrued Interest Receivable and Other Assets Carrying amount as of the balance sheet date of interest earned but not received. Also, represents the carrying amount of the sum of assets not individually reported in the financial statements. Time Deposits C D A R S The aggregate amount of time deposits held by the entity within the Certificate of Deposit Account Registry Service program. Time deposits-CDARS Accrued interest payable and other liabilities Accrued Interest Payable and Other Liabilities Carrying value as of the balance sheet date of accrued interest payable on all forms of debt, including trade payables, that has been incurred and is unpaid. Also, represents the carrying value of the sum of liabilities not individually reported in the financial statements. Securities Pending Settlement Securities purchased pending settlement This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This element represents an executed security trade that will be settled at a future date, upon which the buyer is obligated to pay for the securities delivered by the seller. Document and Entity Information Gain (Loss) on Sales of Commercial Loans The net gain or loss resulting from the sale of SBA loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loans held for investment purposes. Gain on sale of SBA loans Gain on sale of SBA loans Software subscriptions Software Subscription The amount of expenses incurred during the period for software subscriptions. Low income housing investment losses Gain Loss On Housing Investment The gain or loss recognized during the period from investments in low income housing partnerships. Writedown of Loans Held For Sale Write-down of loans held-for-sale This element represents the charge to income for reduction in the carrying amount of loans held-for-sale during the reporting period. Write-downs on other loans held-for-sale Accrued interest receivable and other assets Increase Decrease In Accrued Interest Receivable And Other Assets, Net The net change during the reporting period in the amount due from borrowers for interest payments and the net change during the reporting period in other operating assets not otherwise defined in the taxonomy. Increase Decrease In Accrued Interest Payable And Other Liabilities Accrued interest payable and other liabilities The net change during the reporting period in the carrying value as of the balance sheet date of accrued interest payable on all forms of debt, including trade payables, that has been incurred and is unpaid. Also, represents the net change during the reporting period in the carrying value of the sum of liabilities not individually reported in the financial statements. Amortization of restricted stock awards, net Amortization of Restricted Stock Award Cash Flow Impact This element represents the cash flow impact of the amortization of restricted stock awards, net, during the reporting period. Cash paid during the period for: Cash Paid During the Period [Abstract] Securities Acquired Not Yet Settled Securities acquired not yet settled This element represents securities acquired during the period but not settled as part of noncash investing activity. Proceeds From Issuance Of Preferred Stock, Net Of Offering Costs Issuance of preferred stock, net of offering costs Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation, net of offering costs. Net change in SBA loans previously transferred to held-for-sale Payments for Proceeds From Loans Previously Transferred Held for sale The net change during the reporting period in the value of loans or securitized loans that are previously transferred to held-for-sale, held with the intention to sell in the near future. Payments for (Proceeds from) Other Loans Transferred to Held-for-sale Net change in other loans transferred to held-for-sale Represents the net cash outflow or inflow of other loans transferred to held-for-sale during the reporting period. Payments for (Proceeds from) Federal Home Loan Bank Stock and Other Investments Changes in Federal Home Loan Bank stock and other investments Represents the net cash outflow or inflow of Federal Home Loan Bank stock and other investments during the reporting period. Proceeds from Sale of Loans Transferred to Held for Sale The cash inflow from proceeds received on the sale of SBA loans transferred to held-for-sale. Proceeds from sale of SBA loans transferred to held-for-sale Payments to Acquire Restricted Stock and Other Investments Purchase of restricted stock and other investments The net cash outflow for the purchase of restricted stock and other investments. Net change in unrealized gain/(loss) on securities available-for-sale and interest-only strips, net of reclassification adjustment and deferred income taxes Other Comprehensive Income Unrealized Holding Gain Loss On Available For Sale Securities And Interest Only Strips Arising During Period Net Of Tax The gross appreciation or loss in value of the total of unsold available-for-sale securities and interest-only strip receivable assets during the period being reported on, net of tax. The charge against earnings in the period representing the amortization of the restricted stock awards, net of forfeitures and taxes. Amortization of Restricted Stock Award Amortization of restricted stock awards, net of forfeitures and taxes Accretion of discount on Series A preferred stock Accretion of Discount on Preferred Stock The accretion of the unearned discount on preferred stock. Value of series B preferred stock issued during the period, net of costs incurred directly with the issuance of an equity security, that has priority over common stock in the distribution of dividends which accumulate until paid to shareholders and which will be automatically converted into common shares in accordance with the issuer's terms. Classified within stockholders' equity if nonredeemable solely at the option of the issuer. Issuance of Series B manditorily convertible cumulative perpetual preferred stock, net of issuance costs Series B Manditorily Convertible Cumulative Perpetual Preferred Stock Value, Net Of Issuance Costs Issuance of Series B manditorily convertible cumulative perpetual preferred stock (in shares) Series B Manditorily Convertible Cumulative Perpetual Preferred Stock Shares Number of shares of Series B manditorily convertible cumulative perpetual preferred stock issued during the period. Series C Convertible Cumulative Perpetual Preferred Stock Value, Net Of Issuance Costs Issuance of Series C convertible perpetual preferred stock, net of issuance costs Value of Series C preferred stock issued during the period, net of costs incurred directly with the issuance of an equity security, that has priority over common stock in the distribution of dividends which accumulate until paid to shareholders and which will be automatically converted into common shares in accordance with the issuer's terms. Classified within stockholders' equity if nonredeemable solely at the option of the issuer. Series C Convertible Cumulative Perpetual Preferred Stock Shares Issuance of Series C convertible perpetual preferred stock (in shares) Number of shares of Series C convertible cumulative perpetual preferred stock issued during the period. Income tax effect of restricted stock award vesting Restricted Stock Award Vesting Income Tax Effect The income tax effect resulting from the vesting of restricted stock awards. Income tax effect of restricted stock award vesting Loans and Loan Servicing Loans and Loan Servicing Disclosure [Text Block] Loans and Loan Servicing Disclosure in respect of total loans held for sale, loans held for investment, real estate loan and allowance for all types of loan receivable losses. Private Placement Private Placement Private Placement Disclosure [Text Block] This element represents the complete disclosure regarding the entity's private placement offering transaction completed with various institutional investors along with the complete disclosure regarding the entity's Series B and Series C Preferred Stock. Regulatory Matters Disclosures [Text Block] Regulatory Matters Entire disclosure of the regulatory written agreement entered into with the Federal Reserve Bank of San Francisco (FRB) and the State of California Department of Financial Institutions (DFI). Statement [Table] Class of Stock [Axis] Class of Stock [Domain] Class of Stock [Domain] Statement Statement [Line Items] Preferred Stock, Shares Authorized Preferred stock, shares authorized Preferred Stock, Shares Issued Preferred stock, shares issued Preferred Stock, Shares Outstanding Preferred stock, shares outstanding Common Stock, Shares Authorized Common stock, shares authorized Common Stock, Shares, Issued Common stock, shares issued Common Stock, Shares, Outstanding Common stock, shares outstanding CONSOLIDATED BALANCE SHEETS Assets Assets [Abstract] Cash and Due from Banks Cash and due from banks Interest-bearing Deposits in Banks and Other Financial Institutions Interest-bearing deposits in other financial institutions Total cash and cash equivalents Cash and cash equivalents, beginning of period Cash and cash equivalents, end of period Cash, Cash Equivalents, and Federal Funds Sold Available-for-sale Securities Securities available-for-sale, at fair value Loans and Leases Receivable, Allowance Allowance for loan losses Loans, net Loans and Leases Receivable, Net Reported Amount Loans, net Bank Owned Life Insurance Company owned life insurance Property, Plant and Equipment, Net Premises and equipment, net Intangible assets Finite-Lived Intangible Assets, Net Assets Total assets Federal Funds Sold Federal funds sold Goodwill Goodwill Loans Receivable Held-for-sale, Net Loans held-for-sale - other, at lower of cost or fair value, including deferred costs Loans, including deferred costs Loans and Leases Receivable, Gross, Carrying Amount Federal Home Loan Bank and Federal Reserve Bank stock, at cost Restricted Investments Liabilities and Shareholders' Equity Liabilities and Equity [Abstract] Liabilities: Liabilities [Abstract] Deposits: Deposits [Abstract] Noninterest-bearing Domestic Deposit, Demand Demand, noninterest-bearing Interest-bearing Domestic Deposit, Demand Demand, interest-bearing Deposits, Savings Deposits Savings and money market Time Deposits, Less than $100,000 Time deposits-under $100 Time Deposits, $100,000 or More Time deposits-$100 and over Interest-bearing Domestic Deposit, Brokered Time deposits-brokered Deposits Total deposits Securities Sold under Agreements to Repurchase Securities sold under agreement to repurchase Subordinated Debt. Subordinated debt Short-term Debt Short-term borrowings Liabilities Total liabilities Preferred Stock, Value, Issued Preferred stock, no par value Preferred Stock, Discount on Shares Preferred stock, discount Preferred stock, discount Discount on Series A preferred stock Discount on Series A preferred stock Common Stock, Value, Issued Common stock, no par value; 60,000,000 shares authorized; 26,295,001 shares issued and outstanding at September 30, 2011 and 26,233,001 shares issued and outstanding at December 31, 2010 Retained Earnings (Accumulated Deficit) Retained earnings / (Accumulated deficit) Accumulated Other Comprehensive Income (Loss), Net of Tax Accumulated other comprehensive income (loss) Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest Total shareholders' equity Balance Balance Liabilities and Equity Total liabilities and shareholders' equity Entity Registrant Name Entity Central Index Key Document Type Document Period End Date Amendment Flag Amendment Description Current Fiscal Year End Date Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Filer Category Entity Public Float Entity Common Stock, Shares Outstanding Document Fiscal Year Focus Document Fiscal Period Focus Interest income: Interest and Dividend Income, Operating [Abstract] Interest and Fee Income, Loans and Leases Loans, including fees Interest Income, Securities, Taxable Securities Interest Income, Deposits with Financial Institutions Interest-bearing deposits in other financial institutions Interest and Dividend Income, Operating Total interest income Interest Income, Securities, Tax Exempt Securities, non-taxable Interest expense: Interest Expense [Abstract] Interest Expense, Deposits Deposits Interest Expense, Subordinated Notes and Debentures Subordinated debt Interest Expense, Securities Sold under Agreements to Repurchase Repurchase agreements Interest Expense, Other Short-term Borrowings Short-term borrowings Interest Expense Total interest expense Note payable Interest Expense, Other Interest Income (Expense), Net Net interest income before provision for loan losses Provision for Loan and Lease Losses Provision for loan losses Interest Income (Expense), after Provision for Loan Loss Net interest income after provision for loan losses Noninterest income: Noninterest Income [Abstract] Service charges and fees on deposit accounts Fees and Commissions, Depositor Accounts Bank Owned Life Insurance Income Increase in cash surrender value of life insurance Increase in cash surrender value of life insurance Servicing Fees, Net Servicing income Noninterest Income, Other Operating Income Other Noninterest Income Total noninterest income Gain (Loss) on Sale of Other Loans and Leases Loss on sale of other loans Loss on sale of other loans Noninterest expense: Noninterest Expense [Abstract] Salaries and employee benefits Labor and Related Expense Occupancy, Net Occupancy and equipment Professional Fees Professional fees Federal Deposit Insurance Corporation Premium Expense FDIC deposit insurance premiums General Insurance Expense Insurance expense Information Technology and Data Processing Data processing Other Noninterest Expense Other Noninterest Expense Total noninterest expense Goodwill, Impairment Loss Impairment of goodwill Goodwill impairment Other real estate owned expense Foreclosed Real Estate Expense Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest Income (loss) before income taxes Income Tax Expense (Benefit) Income tax benefit Net Income (Loss), Including Portion Attributable to Noncontrolling Interest Net income (loss) Net income (loss) Net income (loss) Preferred Stock Dividends and Other Adjustments Dividends and discount accretion on preferred stock Net Income (Loss) Available to Common Stockholders, Basic Net income (loss) allocable to common shareholders Earnings (loss) per common share: Earnings Per Share Earnings Per Share, Basic Basic (in dollars per share) Earnings Per Share, Diluted Diluted (in dollars per share) Statement, Scenario [Axis] Scenario, Unspecified [Domain] Scenario, Unspecified [Domain] CONSOLIDATED STATEMENTS OF OPERATIONS Adjustments to reconcile net income (loss) to net cash provided by operating activities: Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract] Amortization (accretion) of discounts and premiums on securities Accretion (Amortization) of Discounts and Premiums, Investments Proceeds from sale of SBA loans originated for sale Proceeds from Sale of Other Loans Held-for-sale Increase (Decrease) in Loans Held-for-sale Net change in SBA loans originated for sale Depreciation, Depletion and Amortization Depreciation and amortization Amortization of Intangible Assets Amortization of other intangible assets (Gains) losses on sale of foreclosed assets, net Gains (Losses) on Sales of Other Real Estate Increase (Decrease) in Operating Capital [Abstract] Effect of changes in: Payments for (Proceeds from) Federal Home Loan Bank Stock Federal Home Loan bank and Federal Reserve Bank stock dividends Stock or Unit Option Plan Expense Stock option expense, net Cash and Cash Equivalents, Period Increase (Decrease) Net increase in cash and cash equivalents Supplemental disclosures of cash flow information: Supplemental Cash Flow Information [Abstract] Interest Paid Interest paid Income Taxes Paid Income taxes paid Supplemental schedule of non-cash investing activity: Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract] Conversion of Stock, Amount Issued Conversion of Series B manditorily convertible cumulative perpetual preferred stock into common stock Conversion of Series B preferred stock to common stock Transfer of Other Real Estate Loans transferred to foreclosed assets Transfer of Portfolio Loans and Leases to Held-for-sale Transfer from portfolio loans to loans held-for-sale Transfer of Loans Held-for-sale to Portfolio Loans Transfer of loans held-for-sale to loan portfolio Cash dividend accrued on Series A preferred stock Dividends Payable, Amount Due to broker for securities purchased Increase (Decrease) in Payables to Broker-Dealers and Clearing Organizations Increase (Decrease) in Deposits Net change in deposits Increase (Decrease) in Payables under Repurchase Agreements Net change in securities sold under agreement to repurchase Proceeds from (Repayments of) Short-term Debt Net change in short-term borrowings Net change in note payable Proceeds from (Repayments of) Other Debt Payments of Dividends, Preferred Stock and Preference Stock Payment of cash dividends - preferred stock Proceeds from Stock Options Exercised Exercise of stock options Payments for Repurchase of Common Stock Common stock repurchased Payments of Dividends, Common Stock Payment of cash dividends - common stock Proceeds from (Payments for) Other Financing Activities Other financing activities Income tax effect of restricted stock award vesting Excess Tax Benefit from Share-based Compensation, Financing Activities Payments to Acquire Available-for-sale Securities Purchase of securities available-for-sale Maturities/paydowns/calls of securities available-for-sale Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities Payments for (Proceeds from) Loans and Leases Net change in loans Payments to Acquire Property, Plant, and Equipment Purchase of premises and equipment Proceeds from Sale of Foreclosed Assets Proceeds from sale of foreclosed assets Proceeds from Sale of Available-for-sale Securities Proceeds from sale of securities available-for-sale Proceeds from Sale of Loans Held-for-sale Proceeds from sale of other loans transferred to held-for-sale Payments to Acquire Life Insurance Policies (Purchases) redemption of company owned life insurance Proceeds from Life Insurance Policies Changes in company owned life insurance Redemption (Purchase) of restricted stock and other investments Increase (Decrease) of Restricted Investments CONSOLIDATED STATEMENTS OF CASH FLOWS Basis of Presentation Basis of Presentation Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block] CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY Increase (Decrease) in Shareholders' Equity Increase (Decrease) in Stockholders' Equity [Roll Forward] Shares, Issued Balance (in shares) Balance (in shares) Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax Net change in liability and other postretirement obligations, net of deferred income taxes Issuance of restricted stock awards Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures Issuance of restricted stock awards (in shares) Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures Dividends, Preferred Stock, Cash Cash dividends accrued on Series A preferred stock Cash dividend accrued on Series A preferred stock Stock Issued During Period, Value, Stock Options Exercised Stock option expense, net of fortfeitures and taxes Stockholders' Equity, Period Increase (Decrease) Stock Issued During Period, Shares, Period Increase (Decrease) Dividends, Common Stock, Cash Cash dividend declared on common stock, $0.02 per share Statement, Equity Components [Axis] Equity Component [Domain] Equity Component [Domain] Preferred Stock [Member] Preferred Stock Common Stock [Member] Common Stock Retained Earnings [Member] Retained Earnings/(Accumulated Deficit) Accumulated Other Comprehensive Income (Loss) [Member] Accumulated Other Comprehensive Income/(Loss) Comprehensive Income [Member] Comprehensive Income/(Loss) Securities Securities Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] Goodwill and Intangible Assets Goodwill and Intangible Assets Disclosure [Text Block] Goodwill and Intangible Assets Income Taxes Income Tax Disclosure [Text Block] Income Taxes Benefit Plans Pension and Other Postretirement Benefits Disclosure [Text Block] Benefit Plans Fair Value Fair Value Disclosures [Text Block] Fair Value Regulatory Matters Common Stock, Dividends, Per Share, Declared Cash dividend declared on common stock, per share (in dollars per share) Earnings Per Share Earnings Per Share [Text Block] Preferred Stock Preferred Stock Preferred Stock [Text Block] Loans Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Loans Equity Plan Equity Plan Disclosure of Compensation Related Costs, Share-based Payments [Text Block] Subordinated Debt Debt Disclosure [Text Block] Subordinated Debt Subsequent Events Subsequent Events [Text Block] Subsequent Events Comprehensive Income (Loss) Comprehensive Income (Loss) Note [Text Block] Comprehensive Income (Loss) Gain (Loss) on Sale of Securities, Net Gain on sale of securities available-for-sale Gain on sale of securities Shareholders' equity: Stockholders' Equity Attributable to Parent [Abstract] Total shareholders' equity Stockholders' Equity Attributable to Parent Balance Balance Net income (loss) Net income (loss) Net Income (Loss) Attributable to Parent Conversion of Series B manditorily convertible cumulative perpetual preferred stock into common stock (in shares) Stock Issued During Period, Shares, Conversion of Convertible Securities Conversion of Series B manditorily convertible cumulative perpetual preferred stock into common stock Stock Issued During Period, Value, Conversion of Convertible Securities CASH FLOWS FROM OPERATING ACTIVITIES: Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract] Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities, Continuing Operations CASH FLOWS FROM INVESTING ACTIVITIES: Net Cash Provided by (Used in) Investing Activities, Continuing Operations [Abstract] Net cash (used in) provided by investing activities Net Cash Provided by (Used in) Investing Activities, Continuing Operations CASH FLOWS FROM FINANCING ACTIVITIES: Net Cash Provided by (Used in) Financing Activities, Continuing Operations [Abstract] Net cash provided by financing activities Net Cash Provided by (Used in) Financing Activities, Continuing Operations Comprehensive Income (Loss), Net of Tax, Attributable to Parent Total comprehensive income (loss) Net Cash Provided by (Used in) Continuing Operations Net increase in cash and cash equivalents EX-101.PRE 12 htbk-20110930_pre.xml EX-101.PRE XML 13 R3.htm IDEA: XBRL DOCUMENT v2.3.0.15
CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)
In Thousands, except Per Share data
3 Months Ended9 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Sep. 30, 2011
Sep. 30, 2010
Interest income:    
Loans, including fees$ 10,530$ 12,041$ 32,205$ 37,952
Securities2,4571,2466,6973,868
Interest-bearing deposits in other financial institutions3374119100
Total interest income13,02013,36139,02141,920
Interest expense:    
Deposits8521,9293,1916,451
Subordinated debt4684731,4001,407
Repurchase agreements 9724341
Short-term borrowings 313893
Total interest expense1,3202,5304,6538,292
Net interest income before provision for loan losses11,70010,83134,36833,628
Provision for loan losses1,5152,0583,23925,754
Net interest income after provision for loan losses10,1858,77331,1297,874
Noninterest income:    
Service charges and fees on deposit accounts6055361,7591,664
Servicing income4344421,2801,288
Increase in cash surrender value of life insurance4264281,2701,249
Gain on sale of SBA loans2684291,124707
Gain on sale of securities 1,492 1,492
Loss on sale of other loans (887) (887)
Other179288566777
Total noninterest income1,9122,7285,9996,290
Noninterest expense:    
Salaries and employee benefits5,0005,27215,50416,645
Occupancy and equipment1,0121,0813,0823,023
Professional fees7077802,0023,202
Low income housing investment losses617214820572
Software subscriptions256261785747
Data processing234188653619
Insurance expense232241718765
FDIC deposit insurance premiums1678491,0743,059
Other real estate owned expense8449231537
Write-down of loans held-for-sale 1,080291,080
Impairment of goodwill   43,181
Other1,5001,2334,8144,568
Total noninterest expense9,80911,24829,71277,998
Income (loss) before income taxes2,2882537,416(63,834)
Income tax benefit(2,529)(398)(1,068)(6,272)
Net income (loss)4,8176518,484(57,562)
Dividends and discount accretion on preferred stock(532)(193)(1,732)(1,792)
Net income (loss) allocable to common shareholders$ 4,285$ 458$ 6,752$ (59,354)
Earnings (loss) per common share:    
Basic (in dollars per share)$ 0.13$ 0.01$ 0.21$ (4.70)
Diluted (in dollars per share)$ 0.13$ 0.01$ 0.21$ (4.70)
XML 14 R4.htm IDEA: XBRL DOCUMENT v2.3.0.15
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)
In Thousands, except Share data
Total
Preferred Stock
Common Stock
Retained Earnings/(Accumulated Deficit)
Accumulated Other Comprehensive Income/(Loss)
Comprehensive Income/(Loss)
Preferred stock, discount at Dec. 31, 2009 $ (1,598)    
Balance at Dec. 31, 2009172,30539,84680,22256,389(2,554) 
Balance (in shares) at Dec. 31, 2009 40,00011,820,509   
Increase (Decrease) in Shareholders' Equity      
Net income (loss)(57,562)  (57,562) (57,562)
Net change in unrealized gain/(loss) on securities available-for-sale and interest-only strips, net of reclassification adjustment and deferred income taxes1,026   1,0261,026
Net change in liability and other postretirement obligations, net of deferred income taxes202   202202
Total comprehensive income (loss)     (56,334)
Issuance of Series B manditorily convertible cumulative perpetual preferred stock, net of issuance costs50,22850,228    
Issuance of Series B manditorily convertible cumulative perpetual preferred stock (in shares) 53,996    
Conversion of Series B manditorily convertible cumulative perpetual preferred stock into common stock (50,228)50,228   
Conversion of Series B manditorily convertible cumulative perpetual preferred stock into common stock (in shares) (53,996)14,398,992   
Issuance of Series C convertible perpetual preferred stock, net of issuance costs19,53819,538    
Issuance of Series C convertible perpetual preferred stock (in shares) 21,004    
Issuance of restricted stock awards (in shares)  13,500   
Amortization of restricted stock awards, net of forfeitures and taxes42 42   
Cash dividends accrued on Series A preferred stock(1,516)  (1,516)  
Accretion of discount on Series A preferred stock 276 (276)  
Stock option expense, net of fortfeitures and taxes837 837   
Preferred stock, discount at Sep. 30, 2010 (1,322)    
Balance at Sep. 30, 2010185,10059,384131,329(2,965)(1,326) 
Balance (in shares) at Sep. 30, 2010 61,00426,233,001   
Preferred stock, discount at Dec. 31, 2010 (1,227)    
Balance at Dec. 31, 2010182,15259,365130,531(1,866)(4,651) 
Balance (in shares) at Dec. 31, 2010 61,00426,233,001   
Increase (Decrease) in Shareholders' Equity      
Net income (loss)8,484  8,484 8,484
Net change in unrealized gain/(loss) on securities available-for-sale and interest-only strips, net of reclassification adjustment and deferred income taxes6,732   6,7326,732
Net change in liability and other postretirement obligations, net of deferred income taxes650   650650
Total comprehensive income (loss)     15,866
Issuance of restricted stock awards (in shares)  62,000   
Amortization of restricted stock awards, net of forfeitures and taxes27 27   
Cash dividends accrued on Series A preferred stock(1,439)  (1,439)  
Accretion of discount on Series A preferred stock 293 (293)  
Stock option expense, net of fortfeitures and taxes457 457   
Preferred stock, discount at Sep. 30, 2011 (934)    
Balance at Sep. 30, 2011$ 197,063$ 59,365$ 131,015$ 4,886$ 2,731 
Balance (in shares) at Sep. 30, 2011 61,00426,295,001   
XML 15 R1.htm IDEA: XBRL DOCUMENT v2.3.0.15
CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands
Sep. 30, 2011
Dec. 31, 2010
Assets  
Cash and due from banks$ 23,720$ 7,692
Interest-bearing deposits in other financial institutions52,05864,485
Total cash and cash equivalents75,77872,177
Securities available-for-sale, at fair value312,125232,165
Loans held-for-sale - SBA, at lower of cost or fair value, including deferred costs3,3918,750
Loans held-for-sale - other, at lower of cost or fair value, including deferred costs4212,260
Loans, including deferred costs776,684846,049
Allowance for loan losses(21,049)(25,204)
Loans, net755,635820,845
Federal Home Loan Bank and Federal Reserve Bank stock, at cost9,9219,174
Company owned life insurance45,20243,682
Premises and equipment, net8,0198,397
Intangible assets2,6223,014
Accrued interest receivable and other assets39,58645,905
Total assets1,252,7001,246,369
Deposits:  
Demand, noninterest-bearing344,470280,258
Demand, interest-bearing132,987153,917
Savings and money market274,489272,399
Time deposits-under $10030,85833,499
Time deposits-$100 and over119,429137,514
Time deposits-CDARS10,21617,864
Time deposits-brokered93,68598,467
Total deposits1,006,134993,918
Securities sold under agreement to repurchase 5,000
Subordinated debt23,70223,702
Short-term borrowings 2,445
Accrued interest payable and other liabilities25,80139,152
Total liabilities1,055,6371,064,217
Shareholders' equity:  
Common stock, no par value; 60,000,000 shares authorized; 26,295,001 shares issued and outstanding at September 30, 2011 and 26,233,001 shares issued and outstanding at December 31, 2010131,015130,531
Retained earnings / (Accumulated deficit)4,886(1,866)
Accumulated other comprehensive income (loss)2,731(4,651)
Total shareholders' equity197,063182,152
Total liabilities and shareholders' equity1,252,7001,246,369
Series A Preferred Stock
  
Shareholders' equity:  
Preferred stock, no par value39,84639,846
Discount on Series A preferred stock(934)(1,227)
Series C Preferred Stock
  
Shareholders' equity:  
Preferred stock, no par value$ 19,519$ 19,519
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'+ "\n"+''+ "\n"+''; moreDialog = window.open("","More","width=700,height=650,status=0,resizable=yes,menubar=no,toolbar=no,scrollbars=yes"); moreDialog.document.write(html); moreDialog.document.close(); this.toggle( moreDialog ); } moreDialog.document.title = 'Report Preview Details'; }, toggle:function( win, domLink ){ var domId = this.Default; var doc = win.document; var domEl = doc.getElementById( domId ); domEl.style.display = 'block'; this.Default = domId == 'raw' ? 'formatted' : 'raw'; if( domLink ){ domLink.innerHTML = this.Default == 'raw' ? 'with Text Wrapped' : 'as Filed'; } var domElOpposite = doc.getElementById( this.Default ); domElOpposite.style.display = 'none'; }, LastAR : null, showAR : function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }, toggleNext : function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }, hideAR : function(){ Show.LastAR.style.display = 'none'; } }

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XML 18 R12.htm IDEA: XBRL DOCUMENT v2.3.0.15
Benefit Plans
9 Months Ended
Sep. 30, 2011
Benefit Plans 
Benefit Plans

7) Benefit Plans

Supplemental Retirement Plan

        The Company has a supplemental retirement plan (the "Plan") covering current and former key executives and directors. The Plan is a nonqualified defined benefit plan. Benefits are unsecured as there are no Plan assets. The following table presents the amount of periodic cost recognized for the periods indicated:

 
  Three Months Ended
September 30,
  Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  
 
  (Dollars in thousands)
 

Components of net periodic benefit cost:

                         
 

Service cost

  $ 236   $ 244   $ 708   $ 732  
 

Interest cost

    206     209     618     627  
 

Amortization of prior service cost

    9     9     27     27  
 

Amortization of net actuarial loss

    31     17     93     51  
                   
   

Net periodic benefit cost

  $ 482   $ 479   $ 1,446   $ 1,437  
                   

Split-Dollar Life Insurance Benefit Plan

        The Company maintains life insurance policies for current and former directors and officers that are subject to split-dollar life insurance agreements. During the third quarter of 2011, participants in the split-dollar life insurance benefit plan agreed to amend their agreements. As a result of the amended agreements, the benefit plan liability was reduced from $6,361,000 as of December 31, 2010 to $3,642,000 as of September 30, 2011.

        The following table sets forth the funded status of the split-dollar life insurance benefits for the nine months ended September 30, 2011 and the twelve months ended December 31, 2010:

 
  September 30, 2011   December 31, 2010  
 
  (Dollars in thousands)
 

Change in projected benefit obligation

             
 

Projected benefit obligation at beginning of year

  $ 6,361   $ 6,957  
 

Interest cost

    254     392  
 

Actuarial gain

        (833 )
 

Benefits paid

        (155 )
 

Amendments to split dollar agreements

    (2,973 )    
           
   

Projected benefit obligation at end of period

  $ 3,642   $ 6,361  
           

        Amounts recognized in accumulated other comprehensive loss at September 30, 2011 and December 31, 2010 consist of the following:

 
  September 30, 2011   December 31, 2010  
 
  (Dollars in thousands)
 

Net actuarial gain

  $ (407 ) $ (407 )

Prior transition obligation

    1,939     4,049  
           
 

Accumulated other comprehensive loss

  $ 1,532   $ 3,642  
           
XML 19 R17.htm IDEA: XBRL DOCUMENT v2.3.0.15
Subordinated Debt
9 Months Ended
Sep. 30, 2011
Subordinated Debt 
Subordinated Debt

12) Subordinated Debt

        In November 2009, the Company announced that it was exercising its right to defer regularly scheduled interest payments on its $23,702,000 of junior subordinated notes relating to its trust preferred securities. From the time it deferred interest payments, the Company accrued the expense of each deferred interest payment at the normal rate on a compounded basis. On June 24, 2011, the Company paid all of the deferred interest payments on its outstanding trust preferred subordinated debt securities in the amount of $3,884,000, which includes all payments due through September 8, 2011. As a result of the interest payment, the Company is current with respect to interest accrued on trust preferred subordinated debt securities.

XML 20 R8.htm IDEA: XBRL DOCUMENT v2.3.0.15
Securities
9 Months Ended
Sep. 30, 2011
Securities 
Securities

3) Securities

        The amortized cost and estimated fair value of securities at September 30, 2011 and December 31, 2010 were as follows:

September 30, 2011
  Amortized
Cost
  Gross
Unrealized
Gains
  Gross
Unrealized
Losses
  Estimated
Fair
Value
 
 
  (Dollars in thousands)
 

Securities available-for-sale:

                         
 

Agency Mortgage-Backed Securities

  $ 303,588   $ 8,537   $   $ 312,125  
                   

 

December 31, 2010
  Amortized
Cost
  Gross
Unrealized
Gains
  Gross
Unrealized
Losses
  Estimated
Fair
Value
 
 
  (Dollars in thousands)
 

Securities available-for-sale:

                         
 

Agency Mortgage-Backed Securities

  $ 235,099   $ 1,079   $ (4,013 ) $ 232,165  
                   

        At September 30, 2011 and December 31, 2010, all agency mortgage backed securities were issued by the Federal National Mortgage Association ("Fannie Mae") the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or the Government National Mortgage Association ("Ginnie Mae"), and there were no holdings of securities of any one issuer, other than the U.S. Government and its sponsored entities, in an amount greater than 10% of shareholders' equity.

        There were no securities with unrealized losses at September 30, 2011. At December 31, 2010, the Company held 106 securities, of which 54 had fair values below amortized cost. No securities had been carried with an unrealized loss for over 12 months. The Company did not consider these securities to be other-than-temporarily impaired at December 31, 2010.

        The amortized cost and estimated fair values of securities as of September 30, 2011, by weighted average life, are shown below. The weighted average life will differ from contractual maturities because borrowers may have the right to call or pre-pay obligations with or without call or pre-payment penalties.

 
  Available-for-sale  
 
  Amortized
Cost
  Estimated
Fair Value
 
 
  (Dollars in thousands)
 

Due within one year

  $   $  

Due after one through five years

    141,014     144,827  

Due after five through ten years

    144,858     148,853  

Due after ten years

    17,716     18,445  
           
 

Total

  $ 303,588   $ 312,125  
           
XML 21 R14.htm IDEA: XBRL DOCUMENT v2.3.0.15
Regulatory Matters
9 Months Ended
Sep. 30, 2011
Regulatory Matters 
Regulatory Matters

9) Regulatory Matters

        In 2011, the Federal Reserve Bank of San Francisco ("FRB") and the State of California Department of Financial Institutions ("DFI") issued a joint order terminating the regulatory written agreement ("Written Agreement") entered into on February 17, 2010, among the Company, HBC, the FRB and the DFI. Effective June 9, 2011, the Company and HBC are no longer subject to the terms and conditions of the Written Agreement.

XML 22 R15.htm IDEA: XBRL DOCUMENT v2.3.0.15
Equity Plan
9 Months Ended
Sep. 30, 2011
Equity Plan 
Equity Plan

10) Equity Plan

        The Company granted 62,000 restricted shares of its common stock, at a grant price of $5.16, to eight officers pursuant to the terms of the restricted stock agreements, dated June 16, 2011, under the Amended and Restated 2004 Equity Plan. Under the terms of the agreements, the common stock is subject to risk of forfeiture until the common stock has vested. The common stock will vest upon the later of: (a) the date the Company has redeemed all of the issued and outstanding shares of the Company's Series A Fixed Rate Cumulative Perpetual Preferred Stock, or (b) upon the second anniversary of the grant date. However, upon the occurrence of a change in control, or the death or disability of the participant, the common stock will vest immediately. The fair value of stock awards at the grant date was $319,920, which is being amortized over a two year period on the straight-line method. Amortization expense related to the 62,000 shares was $46,000 for the nine months ended September 30, 2011. None of the shares were vested at September 30, 2011.

        The Company also granted 150,000 shares of unqualified stock options to directors and employees in June 2011. The exercise price was $5.16 per share, and the options vest over four years. Stock option expense related to the 150,000 shares was $33,000 for the nine months ended September 30, 2011. As of September 30, 2011, there was $402,000 of unrecognized compensation expense related to the 150,000 nonvested stock options granted in June 2011.

XML 23 R13.htm IDEA: XBRL DOCUMENT v2.3.0.15
Fair Value
9 Months Ended
Sep. 30, 2011
Fair Value 
Fair Value

8) Fair Value

        Accounting guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:

        Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

        Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities in active markets; quoted prices for identical assets or liabilities in markets that are not active; or other inputs that are observable or can be corroborated by observable market data (for example, interest rates and yield curves observable at commonly quoted intervals, prepayment speeds, credit risks, and default rates).

        Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

Financial Assets and Liabilities Measured on a Recurring Basis

        The fair values of securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).

        The fair value of interest-only ("I/O") strip receivable assets is based on a valuation model used by a third party. The Company is able to compare the valuation model inputs and results to widely available published industry data for reasonableness (Level 2 inputs).

 
   
  Fair Value Measurements Using  
 
  Balance   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)
  Significant
Other
Observable
Inputs
(Level 2)
  Significant
Unobservable
Inputs
(Level 3)
 
 
  (Dollars in thousands)
 

Assets at September 30, 2011:

                         
 

Available-for-sale securities:

                         
   

Agency Mortgage-Backed Securities

  $ 312,125       $ 312,125      
 

I/O strip receivables

    2,180         2,180      

Assets at December 31, 2010:

                         
 

Available-for-sale securities:

                         
   

Agency Mortgage-Backed Securities

  $ 232,165       $ 232,165      
 

I/O strip receivables

    2,140         2,140      

        There were no transfers between Level 1 and Level 2 during the period for assets measured at fair value on a recurring basis.

Assets and Liabilities Measured on a Non-Recurring Basis

        The fair value of loans held-for-sale is generally based on obtaining bids and broker indications on the estimated value of these loans held-for-sale, resulting in a Level 2 classification.

        The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. The appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.

        Nonrecurring adjustments to certain commercial and residential estate properties classified as other real estate owned are measured at the lower of carrying amount or fair value, less costs to sell. Fair values are generally based on third party appraisals of the property, resulting in a Level 3 classification. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized.

 
   
  Fair Value Measurements Using  
 
  Balance   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)
  Significant
Other
Observable
Inputs
(Level 2)
  Significant
Unobservable
Inputs
(Level 3)
 
 
  (Dollars in thousands)
 

Assets at September 30, 2011:

                         
 

Impaired loans held-for-sale—other:

                         
   

Real estate:

                         
     

Land and construction

  $ 191       $ 191      
                       
 

Impaired loans—held-for-investment:

                         
   

Commercial

  $ 5,993           $ 5,993  
   

Real estate:

                         
     

Commercial and residential

    967             967  
     

Land and construction

    3,277             3,277  
   

Consumer

    410             410  
                       

 

  $ 10,647           $ 10,647  
                       
 

Other real estate owned

  $ 1,229           $ 1,229  

Assets at December 31, 2010:

                         
 

Impaired loans held-for-sale—other:

                         
   

Real estate:

                         
     

Commercial and residential

  $ 929       $ 929      
     

Land and construction

    1,097         1,097      
                       

 

  $ 2,026       $ 2,026      
                       
 

Impaired loans—held-for-investment:

                         
   

Commercial

  $ 6,725           $ 6,725  
   

Real estate:

                         
     

Commercial and residential

    5,982             5,982  
     

Land and construction

    8,005             8,005  
   

Consumer

    120             120  
                       

 

  $ 20,832           $ 20,832  
                       
 

Other real estate owned

 
$

1,296
   
   
 
$

1,296
 

        The following table shows the detail of the impaired loans held-for-investment and the impaired loans held-for-investment carried at fair value for the periods indicated:

 
  September 30, 2011   December 31, 2010  
 
  (Dollars in thousands)
 

Impaired loans held-for-investment:

             
 

Book value of impaired loans held-for-investment carried at fair value

  $ 13,700   $ 26,892  
 

Book value of impaired loans held-for-investment carried at cost

    5,375     4,421  
           
   

Total impaired loans held-for-investment

  $ 19,075   $ 31,313  
           

Impaired loans held-for-investment carried at fair value:

             
 

Book value of impaired loans held-for-investment carried at fair value

  $ 13,700   $ 26,892  
 

Specific valuation allowance

    (3,053 )   (6,060 )
           
   

Impaired loans held-for-investment carried at fair value, net

  $ 10,647   $ 20,832  
           

        Impaired loans held-for-investment which are measured primarily for impairment using the fair value of the collateral were $19,075,000 at September 30, 2011, after partial charge-offs of $2,946,000 in the first nine months of 2011. In addition, these loans had a specific valuation allowance of $3,053,000 at September 30, 2011. Impaired loans held-for-investment totaling $13,700,000 at September 30, 2011 were carried at fair value as a result of the aforementioned partial charge-offs and specific valuation allowances at period-end. The remaining $5,375,000 of impaired loans were carried at cost at September 30, 2011, as the fair value of the collateral exceeded the cost basis of each respective loan. Partial charge-offs and changes in specific valuation allowances during the first nine months of 2011 on impaired loans held-for-investment carried at fair value at September 30, 2011 resulted in an additional provision for loan losses of $2,725,000.

        Total other real estate owned, consisting of two properties, had a fair value of $1,229,000 at September 30, 2011.

        Impaired loans held-for-investment which are measured primarily for impairment using the fair value of the collateral totaled $31,313,000 at December 31, 2010, after partial charge-offs of $6,982,000 in 2010. In addition, these loans had a specific valuation allowance of $6,060,000 at December 31, 2010. Impaired loans held-for-investment totaling $26,892,000 at December 31, 2010 were carried at fair value as a result of the aforementioned partial charge-offs and specific valuation allowances at year-end. The remaining $4,421,000 of impaired loans were carried at cost at December 31, 2010, as the fair value of the collateral exceeded the cost basis of each respective loan. Partial charge-offs and changes in specific valuation allowances during 2010 on impaired loans held-for-investment carried at fair value at December 31, 2010 resulted in an additional provision for loan losses of $9,791,000.

        Total other real estate owned, consisting of one property, had a fair value of $1,296,000 at December 31, 2010.

        The carrying amounts and estimated fair values of the Company's financial instruments for the periods indicated were as follows:

 
  September 30, 2011   December 31, 2010  
 
  Carrying
  Estimated
Fair
  Carrying
  Estimated

 
 
  (Dollars in thousands)
 

Assets:

                         
 

Cash and cash equivalents

  $ 23,720   $ 23,720   $ 72,177   $ 72,177  
 

Securities available-for-sale

    312,125     312,125     232,165     232,165  
 

Loans (including loans held-for-sale), net

    759,447     761,555     831,855     855,327  
 

FHLB and FRB stock

    9,921     N/A     9,174     N/A  
 

Accrued interest receivable

    3,297     3,297     3,215     3,215  
 

Loan servicing rights and I/O strips receivables

    2,989     5,479     3,055     5,340  

Liabilities:

                         
 

Time deposits

  $ 254,188   $ 255,082   $ 287,344   $ 288,798  
 

Other deposits

    751,946     751,946     706,574     706,574  
 

Securities sold under agreement to repurchase

            5,000     5,018  
 

Short-term borrowings

            2,445     2,445  
 

Subordinated debt

    23,702     15,465     23,702     14,445  
 

Accrued interest payable

    409     409     2,810     2,810  

        The methods and assumptions, not previously discussed, used to estimate the fair value are described as follows:

Cash and Cash Equivalents and Accrued Interest Receivable and Payable

        The carrying amount approximates fair value because of the short maturities of these instruments.

Loans

        Loans with similar financial characteristics are grouped together for purposes of estimating their fair value. Loans are segregated by type such as commercial, term real estate, construction and land development, and consumer. Each loan category is further segmented into fixed and adjustable rate interest terms.

        The fair value of performing, fixed rate loans is calculated by discounting scheduled future cash flows using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The fair value of variable rate loans approximates the carrying amount as these loans generally reprice within 90 days.

        The fair value of loans held-for-sale is based on estimated market values from third party investors.

FHLB and FRB Stock

        It was not practical to determine the fair value of FHLB and FRB stock due to the restrictions placed on transferability.

Deposits

        The fair value of deposits with no stated maturity, such as demand deposits, savings, and money market accounts, approximates the amount payable on demand. The carrying amount approximates the fair value of time deposits with a remaining maturity of less than 90 days. The fair value of all other time deposits is calculated based on discounting the future cash flows using rates currently offered for time deposits with similar remaining maturities.

Subordinated Debt and Securities Sold Under Agreement to Purchase

        The fair values of subordinated debt and securities sold under agreement to repurchase were determined based on the current market value for like kind instruments of a similar maturity and structure.

Short-term Borrowings and Note Payable

        The carrying amount approximates the fair value of short-term borrowings and the note payable that reprice frequently and fully.

Off-Balance Sheet Items

        The fair value of off-balance sheet items, such as commitments to extend credit, is not considered material and therefore is not included in the table above.

Limitations

        Fair value estimates are made at a specific point in time, based on relevant market information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering for sale at one time the entire holdings of a particular financial instrument. 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.

XML 24 R6.htm IDEA: XBRL DOCUMENT v2.3.0.15
Basis of Presentation
9 Months Ended
Sep. 30, 2011
Basis of Presentation 
Basis of Presentation

1) Basis of Presentation

        The unaudited consolidated financial statements of Heritage Commerce Corp (the "Company") and its wholly owned subsidiary, Heritage Bank of Commerce (sometimes referred to as "HBC"), have been prepared pursuant to the rules and regulations for reporting on Form 10-Q. Accordingly, certain information and notes required by accounting principles generally accepted in the United States of America ("GAAP") for annual financial statements are not included herein. The interim statements should be read in conjunction with the consolidated financial statements and notes that were included in the Company's Form 10-K for the year ended December 31, 2010. The Company has also established the following unconsolidated subsidiary grantor trusts: Heritage Capital Trust I; Heritage Statutory Trust I; Heritage Statutory Trust II; and Heritage Commerce Corp Statutory Trust III which are Delaware Statutory business trusts formed for the exclusive purpose of issuing and selling trust preferred securities.

        HBC is a commercial bank serving customers located in Santa Clara, Alameda, and Contra Costa counties of California. No customer accounts for more than 10 percent of revenue for HBC or the Company. Management evaluates the Company's performance as a whole and does not allocate resources based on the performance of different lending or transaction activities. Accordingly, the Company and its subsidiary operate as one business segment.

        In the Company's opinion, all adjustments necessary for a fair presentation of these consolidated financial statements have been included and are of a normal and recurring nature. All intercompany transactions and balances have been eliminated.

        The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ significantly from these estimates.

        The results for the three and nine months ended September 30, 2011 are not necessarily indicative of the results expected for any subsequent period or for the entire year ending December 31, 2011.

Reclassifications

        Certain reclassifications of prior year balances have been made to conform to the current year presentation. These reclassifications had no impact on the Company's consolidated financial position, results of operations or net change in cash and cash equivalents.

Adoption of New Accounting Standards

        In July 2010, the FASB updated disclosure requirements with respect to the credit quality of financing receivables and the allowance for credit losses. According to the guidance there are two levels of detail at which credit information will be presented—the portfolio segment and class levels. The portfolio segment level is defined as the level where financing receivables are aggregated in developing a Company's systematic method for calculating its allowance for credit losses. The class level is the second level at which credit information will be presented and represents the categorization of financing related receivables at a slightly less aggregated level than the portfolio segment level. Companies will now be required to provide the following disclosures as a result of this update: a rollforward of the allowance for credit losses at the portfolio segment level with the ending balances further categorized according to impairment method along with the balance reported in the related financing receivables at period end; additional disclosure of nonaccrual and impaired financing receivables by class as of period end; credit quality and past due/aging information by class as of period end; information surrounding the nature and extent of loan modifications and troubled-debt restructurings and their effect on the allowance for credit losses during the period; and detail of any significant purchases or sales of financing receivables during the period. The increased period-end disclosure requirements became effective for periods ending on or after December 15, 2010, with the exception of additional disclosures surrounding troubled-debt restructurings, which were deferred in December 2010 and became effective for periods ending on or after June 15, 2011. The increased disclosures for activity within a reporting period became effective for periods beginning on or after December 15, 2010. The provisions of this update expanded the Company's current disclosures with respect to credit quality in addition to the allowance for loan losses.

        In April 2011, the FASB amended existing guidance for assisting a creditor in determining whether a restructuring is a troubled debt restructuring. The amendments clarify the guidance for a creditor's evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. With regard to determining whether a concession has been granted, the updated guidance clarifies that creditors are precluded from using the effective interest method to determine whether a concession has been granted. In the absence of using the effective interest method, a creditor must now focus on other considerations such as the value of the underlying collateral, evaluation of other collateral or guarantees, the debtor's ability to access other funds at market rates, interest rate increases and whether the restructuring results in a delay in payment that is insignificant. This guidance is effective for interim and annual reporting periods beginning after June 15, 2011, and should be applied retrospectively to the beginning of the annual period of adoption. For purposes of measuring impairment on newly identified troubled debt restructurings, the amendments should be applied prospectively for the first interim or annual period beginning on or after June 15, 2011. The adoption of this guidance expanded the Company's current disclosures with respect to troubled debt restructurings.

Newly Issued But Not Yet Effective Accounting Standards

        In June 2011, the FASB issued an accounting standards update to increase the prominence of items included in Other Comprehensive Income and facilitate the convergence of U.S. GAAP with International Financial Reporting Standards ("IFRS"). The update prohibits continued presentation of Other Comprehensive Income in the statement of Stockholders' Equity. The update requires that all non-owner changes in stockholders' equity be presented in either a single continuous statement of comprehensive income or in two separate but continuous statements. The amendments in the update are effective for interim and annual periods beginning on or after December 15, 2011. The provisions of this update are only expected to change the manner in which our other comprehensive income is disclosed.

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Loans
9 Months Ended
Sep. 30, 2011
Loans 
Loans

4) Loans

        Loans were as follows:

 
  September 30,
2011
  December 31,
2010
 
 
  (Dollars in thousands)
 

Loans held-for-sale:

             
 

Loans held-for-sale—SBA

  $ 3,391   $ 8,750  
 

Loans held-for-sale—other

    421     2,260  
           
   

Total loans held-for-sale

  $ 3,812   $ 11,010  
           

Loans held-for-investment:

             
 

Commercial

  $ 365,532   $ 378,412  
 

Real estate:

             
   

Commercial and residential

    310,722     337,457  
   

Land and construction

    36,357     62,356  
   

Home equity

    51,668     53,697  
 

Consumer

    11,829     13,244  
           
   

Loans

    776,108     845,166  

Deferred loan origination costs and fees, net

    576     883  
           
 

Loans, including deferred costs

    776,684     846,049  

Allowance for loan losses

    (21,049 )   (25,204 )
           
 

Loans, net

  $ 755,635   $ 820,845  
           

        Prior to February 15, 2011, SBA loans that were sold were subject to a warranty for a period of 90 days. In accordance with generally accepted accounting principles, the Company treated sold SBA loans as secured borrowings during the warranty period. The secured borrowings were classified as "short-term borrowings" on the unaudited consolidated balance sheets. At December 31, 2010, the balance of loans held-for-sale included $2,445,000 of SBA loans that were transferred to third parties, with associated deferred gains of $192,000, which are included in other liabilities on the consolidated balance sheets. Effective February 15, 2011, the SBA no longer required a warranty period in loan sales agreements. Therefore, gains on loan sales completed after February 15, 2011 are recognized upon completion of the transaction, thus there are no short-term borrowings or deferred gains associated with the SBA loans held-for-sale at September 30, 2011.

        Changes in the allowance for loan losses were as follows:

 
   
   
   
   
  Three
Months
Ended
September 30, 2010
Total
 
 
  Three Months Ended September 30, 2011  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Balance, beginning of period

  $ 13,992   $ 8,162   $ 1,013   $ 23,167   $ 26,753  

Charge-offs

    (3,042 )   (901 )       (3,943 )   (3,963 )

Recoveries

    283     25     2     310     442  
                       
 

Net (charge-offs)/recoveries

    (2,759 )   (876 )   2     (3,633 )   (3,521 )

Provision/(credit) for loan losses

    1,809     554     (848 )   1,515     2,058  
                       
 

Balance, end of period

  $ 13,042   $ 7,840   $ 167   $ 21,049   $ 25,290  
                       

 

 
   
   
   
   
  Nine
Months
Ended
September 30, 2010
Total
 
 
  Nine Months Ended September 30, 2011  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Balance, beginning of period

  $ 13,952   $ 10,363   $ 889   $ 25,204   $ 28,768  

Charge-offs

    (5,841 )   (2,497 )   (8 )   (8,346 )   (30,347 )

Recoveries

    513     436     3     952     1,115  
                       
 

Net charge-offs

    (5,328 )   (2,061 )   (5 )   (7,394 )   (29,232 )

Provision for loan losses

    4,418     (462 )   (717 )   3,239     25,754  
                       
 

Balance, end of period

  $ 13,042   $ 7,840   $ 167   $ 21,049   $ 25,290  
                       

        The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, based on the impairment method as of September 30, 2011 and December 31, 2010:

 
  September 30, 2011  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Allowance for loan losses:

                         
 

Ending allowance balance attributable to loans:

                         
   

Individually evaluated for impairment

  $ 2,384   $ 623   $ 46   $ 3,053  
   

Collectively evaluated for impairment

    10,658     7,217     121     17,996  
                   
     

Total ending allowance balance

  $ 13,042   $ 7,840   $ 167   $ 21,049  
                   
 

Loans:

                         
   

Individually evaluated for impairment

  $ 10,442   $ 8,016   $ 617   $ 19,075  
   

Collectively evaluated for impairment

    355,090     390,731     11,212     757,033  
                   
     

Total ending loan balance

  $ 365,532   $ 398,747   $ 11,829   $ 776,108  
                   

 

 
  December 31, 2010  
 
  Commercial   Real Estate   Consumer   Total  
 
  (Dollars in thousands)
 

Allowance for loan losses:

                         
 

Ending allowance balance attributable to loans:

                         
   

Individually evaluated for impairment

  $ 3,427   $ 1,855   $ 778   $ 6,060  
   

Collectively evaluated for impairment

    10,525     8,508     111     19,144  
                   
     

Total ending allowance balance

  $ 13,952   $ 10,363   $ 889   $ 25,204  
                   
 

Loans:

                         
   

Individually evaluated for impairment

  $ 14,374   $ 16,041   $ 898   $ 31,313  
   

Collectively evaluated for impairment

    364,038     437,469     12,346     813,853  
                   
     

Total ending loan balance

  $ 378,412   $ 453,510   $ 13,244   $ 845,166  
                   

        The following table presents loans held-for-investment individually evaluated for impairment by class of loans as of September 30, 2011 and December 31, 2010. The recorded investment included in the following table represents loan principal net of any partial charge-offs recognized on the loans. The unpaid principal balance represents the recorded balance prior to any partial charge-offs.

 
  September 30, 2011   December 31, 2010  
 
  Unpaid
Principal
Balance
  Recorded
Investment
  Allowance
for Loan
Losses
Allocated
  Unpaid
Principal
Balance
  Recorded
Investment
  Allowance
for Loan
Losses
Allocated
 
 
  (Dollars in thousands)
 

With no related allowance recorded:

                                     
 

Commercial

  $ 4,270   $ 3,580   $   $ 5,557   $ 5,125   $  
 

Real estate:

                                     
   

Commercial and residential

    1,297     1,297         4,392     2,431      
   

Land and construction

    4,962     4,434         6,138     3,429      
 

Consumer

    161     161                  
                           
   

Total with no related allowance recorded

    10,690     9,472         16,087     10,985      

With an allowance recorded:

                                     
 

Commercial

    7,361     6,862     2,384     9,695     9,249     3,427  
 

Real estate:

                                     
   

Commercial and residential

    85     85     14     4,753     4,753     1,002  
   

Land and construction

    3,429     2,200     609     6,862     5,428     853  
   

Home Equity

                         
 

Consumer

    456     456     46     898     898     778  
                           
   

Total with an allowance recorded

    11,331     9,603     3,053     22,208     20,328     6,060  
                           
   

Total

  $ 22,021   $ 19,075   $ 3,053   $ 38,295   $ 31,313   $ 6,060  
                           

        The following table presents interest recognized and cash-basis interest earned on impaired loans for the periods indicated:

 
  Three Months Ended September 30, 2011    
 
 
   
  Real Estate    
   
  Three
Months
Ended
September 30, 2010
Total
 
 
  Commercial   Commercial and
Residential
  Land and
Construction
  Home
Equity
  Consumer   Total  
 
  (Dollars in thousands)
 

Average of impaired loans during the period

  $ 11,740   $ 1,297   $ 4,411   $ 3,317   $ 800   $ 21,565   $ 47,111  

Interest income during impairment

  $   $   $   $   $ 2   $ 2   $ 1  

Cash-basis interest earned

  $   $   $   $   $   $   $  

 

 
  Nine Months Ended September 30, 2011    
 
 
   
  Real Estate    
   
  Nine
Months
Ended
September 30, 2010
Total
 
 
  Commercial   Commercial and
Residential
  Land and
Construction
  Home
Equity
  Consumer   Total  
 
  (Dollars in thousands)
 

Average of impaired loans during the period

  $ 12,777   $ 3,186   $ 6,213   $ 1,729   $ 848   $ 24,753   $ 55,950  

Interest income during impairment

  $ 2   $   $   $ 1   $ 2   $ 5   $ 41  

Cash-basis interest earned

  $   $   $   $ 1   $   $ 1   $ 27  

        Nonperforming loans include both smaller dollar balance homogenous loans that are collectively evaluated for impairment and individually classified loans. Nonperforming loans were as follows at period-end:

 
  September 30,    
 
 
  December 31,
2010
 
 
  2011   2010  
 
  (Dollars in thousands)
 

Nonaccrual loans—held-for-sale

  $ 191   $ 4,552   $ 2,026  

Nonaccrual loans—held-for-investment

    16,419     41,757     28,821  

Restructured and loans over 90 days past due and still accruing

    2,656     2,687     2,492  
               
 

Total

  $ 19,266   $ 48,996   $ 33,339  
               

        The following table presents the nonperforming loans by class as of September 30, 2011 and December 31, 2010:

 
  September 30, 2011   December 31, 2010  
 
  Nonaccrual   Restructured and
Loans Over 90 Days
Past Due and
Still Accruing
  Total   Nonaccrual   Restructured and
Loans Over 90 Days
Past Due and
Still Accruing
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 8,487   $ 2,206   $ 10,693   $ 13,545   $ 829   $ 14,374  

Real estate:

                                     
 

Commercial and residential

    1,285         1,285     6,450     1,663     8,113  
 

Land and construction

    6,831         6,831     9,954         9,954  
 

Home equity

                         

Consumer

    7     450     457     898         898  
                           
 

Total

  $ 16,610   $ 2,656   $ 19,266   $ 30,847   $ 2,492   $ 33,339  
                           

        The following table presents the aging of past due loans as of September 30, 2011 by class of loans:

 
  September 30, 2011  
 
  30 - 59
Days
Past Due
  60 - 89
Days
Past Due
  90 Days or
Greater
Past Due
  Total
Past Due
  Loans Not
Past Due
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 1,976   $ 2,950   $ 4,126   $ 9,052   $ 356,480   $ 365,532  

Real estate:

                                     
 

Commercial and residential

    1,065             1,065     309,657     310,722  
 

Land and construction

            5,761     5,761     30,596     36,357  
 

Home equity

    400             400     51,268     51,668  

Consumer

            456     456     11,373     11,829  
                           
 

Total

  $ 3,441   $ 2,950   $ 10,343   $ 16,734   $ 759,374   $ 776,108  
                           

        The following table presents the aging of past due loans as of December 31, 2010 by class of loans:

 
  December 31, 2010  
 
  30 - 59
Days
Past Due
  60 - 89
Days
Past Due
  90 Days or
Greater
Past Due
  Total
Past Due
  Loans Not
Past Due
  Total  
 
  (Dollars in thousands)
 

Commercial

  $ 3,176   $ 807   $ 14,374   $ 18,357   $ 360,055   $ 378,412  

Real estate:

                                     
 

Commercial and residential

    1,078     1,595     7,184     9,857     327,600     337,457  
 

Land and construction

            8,857     8,857     53,499     62,356  
 

Home equity

    80             80     53,617     53,697  

Consumer

            898     898     12,346     13,244  
                           
 

Total

  $ 4,334   $ 2,402   $ 31,313   $ 38,049   $ 807,117   $ 845,166  
                           

        Past due loans 30 days or greater totaled $16,734,000 and $38,049,000 at September 30, 2011 and December 31, 2010, respectively, of which $10,045,000 and $28,821,000 were on nonaccrual. At September 30, 2011, there were also $6,374,000 loans less than 30 days past due included in nonaccrual loans held-for-investment. There were no current loans included in nonaccrual loans held-for-investment at December 31, 2010. Management's classification of a loan as "nonaccrual" is an indication that there is reasonable doubt as to the full recovery of principal or interest on the loan. At that point, the Company stops accruing interest income, and reverses any uncollected interest that had been accrued as income. The Company begins recognizing interest income only as cash interest payments are received and it has been determined the collection of all outstanding principal is not in doubt. The loans may or may not be collateralized, and collection efforts are pursued.

Credit Quality Indicators

        Concentrations of credit risk arise when a number of clients are engaged in similar business activities, or activities in the same geographic region, or have similar features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company's loan portfolio is concentrated in commercial (primarily manufacturing, wholesale, and service) and real estate lending, with the balance in consumer loans. While no specific industry concentration is considered significant, the Company's lending operations are located in the Company's market areas that are dependent on the technology and real estate industries and their supporting companies. Thus, the Company's borrowers could be adversely impacted by a continued downturn in these sectors of the economy which could reduce the demand for loans and adversely impact the borrowers' ability to repay their loans.

        The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a quarterly basis. Nonclassified loans generally include those loans that are expected to be repaid in accordance with contractual loans terms. Classified loans are those loans that are assigned a substandard, substandard-nonaccrual, or doubtful risk rating using the following definitions:

        Substandard.    Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

        Substandard-Nonaccrual.    Loans classified as substandard-nonaccrual are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. In addition, the Company no longer accrues interest on the loan because of the underlying weaknesses.

        Doubtful.    Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

        The following table provides a summary of the loan portfolio by loan type and credit quality classification at September 30, 2011 and December 31, 2010:

 
  September 30, 2011   December 31, 2010  
 
  Nonclassified   Classified   Total   Nonclassified   Classified   Total  
 
  (Dollars in thousands)
 

Commercial

  $ 336,855   $ 28,677   $ 365,532   $ 340,319   $ 38,093   $ 378,412  

Real estate:

                                     
 

Commercial and residential

    291,686     19,036     310,722     320,867     16,590     337,457  
 

Land and construction

    14,165     22,192     36,357     32,664     29,692     62,356  
 

Home equity

    51,019     649     51,668     50,757     2,940     53,697  

Consumer

    11,647     182     11,829     12,346     898     13,244  
                           
 

Total

  $ 705,372   $ 70,736   $ 776,108   $ 756,953   $ 88,213   $ 845,166  
                           

        In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company's underwriting policy.

        During the three months and nine months ended September 30, 2011, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or more combination of the following: a reduction of the stated interest rate of the loan; an extension of maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

        As a result of adopting the amended guidance in determining whether a restructuring is a troubled debt restructuring, the Company reassessed all restructurings that occurred on or after January 1, 2011 for identification as troubled debt restructurings. The Company did not identify any loans as troubled debt restructurings for which the allowance for loan losses had previously been measured under a general allowance for loan losses methodology.

        The book balance of troubled debt restructurings at September 30, 2011 was $5,651,000, which included $3,445,000 of nonaccrual loans and $2,206,000 of accruing loans. The book balance of troubled debt restructurings at December 31, 2010 was $7,924,000, which included $5,432,000 of nonaccrual loans and $2,492,000 of accruing loans. Approximately $301,000 and $1,134,000 in specific reserves were established with respect to these loans as of September 30, 2011 and December 31, 2010. As of September 30, 2011 and December 31, 2010, the Company had no additional amounts committed on any loan classified as a troubled debt restructuring.

        The following table presents loans by class modified as troubled debt restructurings during the three month period ended September 30, 2011:

 
  During the Three Months
Ended September 30, 2011
 
Troubled Debt Restructurings:
  Number
of
Contracts
  Pre-modification
Outstanding
Recorded
Investment
  Post-modification
Outstanding
Recorded
Investment
 
 
  (Dollars in thousands)
 

Commercial

    6   $ 1,557   $ 1,370  
               

        The troubled debt restructurings described above increased the allowance for loan losses by $144,000 through the allocation of specific reserves, and resulted in net charge-offs of $174,000 during the three month period ended September 30, 2011.

        The following table presents loans by class modified as troubled debt restructurings during the nine month period ended September 30, 2011:

 
  During the Nine Months Ended
September 30, 2011
 
Troubled Debt Restructurings:
  Number
of
Contracts
  Pre-modification
Outstanding
Recorded
Investment
  Post-modification
Outstanding
Recorded
Investment
 
 
  (Dollars in thousands)
 

Commercial

    7   $ 2,249   $ 2,057  
               

        The troubled debt restructurings described above increased the allowance for loan losses by $158,000 through the allocation of specific reserves, and resulted in net charge-offs of $174,000 during the nine months period ended September 30, 2011.

        A loan is considered to be in payment default when it is 30 days contractually past due under the modified terms. There were no defaults on troubled debt restructurings, within twelve months following the modification, during the three month and nine month periods ended September 30, 2011.

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Preferred Stock
9 Months Ended
Sep. 30, 2011
Preferred Stock 
Preferred Stock

5) Preferred Stock

Series A Preferred Stock

        On November 21, 2008, the Company issued 40,000 shares of Series A Fixed Rate Cumulative Perpetual Preferred Stock ("Series A Preferred Stock") to the U.S. Treasury under the terms of the U.S. Treasury Capital Purchase Program for $40,000,000 with a liquidation preference of $1,000 per share. The Series A Preferred Stock carries a coupon of 5% for five years and 9% thereafter. In November 2009, the Company announced that it was exercising its right to suspend payment of dividends on its Series A Preferred Stock. On July 28, 2011, the Board of Directors of the Company declared a dividend on its Series A Preferred Stock held by the U.S. Treasury in an aggregate amount of $4,172,000. The dividend was paid on August 1, 2011. Of the aggregate dividend declared and paid, $3,500,000 was attributable to the dividend periods ending November 15, 2009 through May 15, 2011 and $172,000 was for interest on the deferred dividend payments. The balance of $500,000 was the dividend payable for the period ending August 15, 2011. As a result of the dividend payment, the Company is current with respect to dividends accrued and owed to the U.S. Treasury.

Private Placement

        On June 21, 2010, the Company issued to various institutional investors 53,996 shares of Series B Mandatory Convertible Perpetual Preferred Stock ("Series B Preferred Stock") and 21,004 shares of Series C Convertible Perpetual Preferred Stock ("Series C Preferred Stock") for an aggregate purchase price of $75,000,000. The Series B Preferred Stock was mandatorily convertible into common stock, upon approval by the shareholders, at a conversion price of $3.75 per share. The Series C Preferred Stock is mandatorily convertible into common stock at a conversion price of $3.75 per share upon both approval by the shareholders and thereafter, a subsequent transfer of the Series C Preferred Stock to third parties not affiliated with the holder in a widely dispersed offering. The Series B Preferred Stock and the Series C Preferred Stock did not include a beneficial conversion feature, as the conversion price of $3.75 per share was not below the fair market value of the Company's common stock on the commitment date.

        At the Company's Special Meeting of shareholders held on September 15, 2010, the Company's shareholders approved the issuance of common stock upon the conversion of the Series B Preferred Stock and upon the conversion of the Series C Preferred Stock, as required by the NASDAQ Stock Market and California corporate law. As a result, on September 16, 2010, the Series B Preferred Stock was converted into 14,398,992 shares of common stock of the Company and the shares of Series B Preferred Stock ceased to be outstanding.

        The Series C Preferred Stock remains outstanding until it has been converted into common stock in accordance with its terms. The Series C Preferred Stock is non-voting except in the case of certain transactions that would affect the rights of the holders of the Series C Preferred Stock or applicable law. Holders of Series C Preferred Stock will receive dividends if and only to the extent dividends are paid to holders of common stock. The Series C Preferred Stock is not redeemable by the Company or by the holders and has a liquidation preference of $1,000 per share. The Series C Preferred Stock ranks senior to the Company's common stock and ranks on parity with the Company's Series A Preferred Stock.

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Document and Entity Information
9 Months Ended
Sep. 30, 2011
Oct. 28, 2011
Document and Entity Information  
Entity Registrant NameHERITAGE COMMERCE CORP 
Entity Central Index Key0001053352 
Document Type10-Q 
Document Period End DateSep. 30, 2011
Amendment Flagfalse 
Current Fiscal Year End Date--12-31 
Entity Current Reporting StatusYes 
Entity Filer CategorySmaller Reporting Company 
Entity Common Stock, Shares Outstanding 26,295,001
Document Fiscal Year Focus2011 
Document Fiscal Period FocusQ3 
XML 29 R11.htm IDEA: XBRL DOCUMENT v2.3.0.15
Income Taxes
9 Months Ended
Sep. 30, 2011
Income Taxes 
Income Taxes

6) Income Taxes

        Some items of income and expense are recognized in different years for tax purposes than when applying generally accepted accounting principles, leading to timing differences between the Company's actual tax liability and the amount accrued for this liability based on book income. These temporary differences comprise the "deferred" portion of the Company's tax expense or benefit, which is accumulated on the Company's books as a deferred tax asset or deferred tax liability until such time as they reverse.

        Realization of the Company's deferred tax assets is primarily dependent upon the Company generating sufficient taxable income to obtain benefit from the reversal of net deductible temporary differences and utilization of tax credit carryforwards and the net operating loss carryforwards for Federal and California state income tax purposes. The amount of deferred tax assets considered realizable is subject to adjustment in future periods based on estimates of future taxable income. Under generally accepted accounting principles, a valuation allowance is required to be recognized if it is "more likely than not" that a deferred tax asset will not be realized. The determination of the realizability of the deferred tax assets is highly subjective and dependent upon judgment concerning management's evaluation of both positive and negative evidence, including forecasts of future income, cumulative losses, applicable tax planning strategies, and assessments of current and future economic and business conditions.

        The Company had net deferred tax assets of $27,361,000, net of a $3,700,000 partial valuation allowance, as of December 31, 2010. In analyzing the deferred tax assets as of September 30, 2011, based on the factors above, the Company estimated it was more likely than not that the Company will realize approximately $21,134,000 of the benefits of the deductible differences, and therefore, a $700,000 partial valuation allowance for deferred tax assets was recorded as of September 30, 2011. The income tax benefit of $2,529,000 for the third quarter of 2011, and $1,068,000 for the nine months ended September 30, 2011, are net of the $3,000,000 reduction in the partial valuation allowance from $3,700,000 as of December 31, 2010 to $700,000 as of September 30, 2011.

XML 30 R5.htm IDEA: XBRL DOCUMENT v2.3.0.15
CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands
9 Months Ended
Sep. 30, 2011
Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:  
Net income (loss)$ 8,484$ (57,562)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:  
Amortization (accretion) of discounts and premiums on securities920(1,295)
Gain on sale of securities available-for-sale (1,492)
Gain on sale of SBA loans(1,124)(707)
Proceeds from sale of SBA loans originated for sale12,34717,146
Net change in SBA loans originated for sale(5,864)(17,458)
Loss on sale of other loans 887
Write-downs on other loans held-for-sale291,080
Provision for loan losses3,23925,754
Increase in cash surrender value of life insurance(1,270)(1,249)
Depreciation and amortization579600
Amortization of other intangible assets392431
(Gains) losses on sale of foreclosed assets, net(67)546
Stock option expense, net457837
Amortization of restricted stock awards, net2742
Goodwill impairment 43,181
Effect of changes in:  
Accrued interest receivable and other assets(173)(2,963)
Accrued interest payable and other liabilities(8,390)(1,234)
Net cash provided by operating activities9,5866,544
CASH FLOWS FROM INVESTING ACTIVITIES:  
Purchase of securities available-for-sale(95,841)(41,434)
Maturities/paydowns/calls of securities available-for-sale26,43221,164
Proceeds from sale of securities available-for-sale 27,245
Net change in SBA loans previously transferred to held-for-sale (320)
Net change in other loans transferred to held-for-sale70 
Net change in loans59,719128,960
Changes in Federal Home Loan Bank stock and other investments(747)(883)
Purchase of premises and equipment(201)(171)
Proceeds from sale of foreclosed assets2,46511,595
Proceeds from sale of SBA loans transferred to held-for-sale 1,768
Proceeds from sale of other loans transferred to held-for-sale1,76910,303
(Purchases) redemption of company owned life insurance(250)308
Net cash (used in) provided by investing activities(6,584)158,535
CASH FLOWS FROM FINANCING ACTIVITIES:  
Net change in deposits12,216(24,167)
Issuance of preferred stock, net of offering costs 69,766
Payment of cash dividends - preferred stock(4,172) 
Net change in securities sold under agreement to repurchase(5,000)(10,000)
Net change in short-term borrowings(2,445)(15,685)
Net cash provided by financing activities59919,914
Net increase in cash and cash equivalents3,601184,993
Cash and cash equivalents, beginning of period72,17745,562
Cash and cash equivalents, end of period75,778230,555
Supplemental disclosures of cash flow information:  
Interest paid7,0547,008
Income taxes paid490 
Supplemental schedule of non-cash investing activity:  
Due to broker for securities purchased 4,123
Transfer from portfolio loans to loans held-for-sale 17,079
Transfer of loans held-for-sale to loan portfolio 2,367
Loans transferred to foreclosed assets2,25210,593
Conversion of Series B preferred stock to common stock $ 50,228
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Earnings Per Share
9 Months Ended
Sep. 30, 2011
Earnings Per Share 
Earnings Per Share

2) Earnings Per Share

        Basic earnings (loss) per common share is computed by dividing net income (loss), less dividends and discount accretion on preferred stock, by the weighted average common shares outstanding. On June 21, 2010, the Company issued to various institutional investors 53,996 shares of Series B Mandatorily Convertible Cumulative Perpetual Preferred Stock ("Series B Preferred Stock") and 21,004 shares of Series C Convertible Perpetual Preferred Stock ("Series C Preferred Stock"). Subject to the terms of the Series B Preferred Stock, the 53,996 shares of Series B Preferred Stock converted into 14,398,992 shares of common stock on September 16, 2010. The 21,004 shares of Series C Preferred Stock remain outstanding as of September 30, 2011, and are convertible into 5,601,000 shares of common stock. The Series B Preferred Stock and Series C Preferred Stock participate in the earnings of the Company and, therefore, the shares issued on the conversion of the Series B Preferred Stock and the Series C Preferred Stock are considered outstanding under the two-class method of computing basic earnings per common share during periods of earnings. The shares issued on the conversion of the Series B Preferred Stock and the Series C Preferred Stock are not considered outstanding for the nine months ended September 30, 2010 due to the net loss allocable to common shareholders for the period. Diluted earnings (loss) per share reflect potential dilution from outstanding stock options and common stock warrants, using the treasury stock method. Due to the Company's net loss allocable to common shareholders for the nine months ended September 30, 2010, all stock options and common stock warrants were excluded from the computation of diluted loss per average common share. A reconciliation of the weighted average shares used in computing basic and diluted earnings (loss) per common share is as follows:

 
  For the Three Months Ended
September 30,
  For the Nine Months Ended
September 30,
 
 
  2011   2010   2011   2010  

Weighted average common shares outstanding

    26,295,001     14,230,212     26,257,112     12,623,743  

Effect of convertible preferred stock

    5,601,000     17,600,160     5,601,000     N/A  
                   
 

Shares used in computing basic earnings (loss) per common share

    31,896,001     31,830,372     31,858,112     12,623,743  

Dilutive effect of stock options oustanding, using the treasury stock method

    2,274         4,443     N/A  
                   
 

Shares used in computing diluted earnings (loss) per common share

    31,898,275     31,830,372     31,862,555     12,623,743  
                   
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Comprehensive Income (Loss)
9 Months Ended
Sep. 30, 2011
Comprehensive Income (Loss) 
Comprehensive Income (Loss)

11) Comprehensive Income (Loss)

        Comprehensive income (loss) consists of other comprehensive income and net income (loss). Other comprehensive income refers to gains and losses that are included in comprehensive income (loss) but are excluded from net income (loss) because they have been recorded directly in equity under the provisions of other accounting guidance. The following is a summary of the components of other comprehensive (loss) income:

 
  For the Three Months
Ended
September 30,
  For the Nine Months
Ended
September 30,
 
 
  2011   2010   2011   2010  
 
  (Dollars in thousands)
 

Net income (loss)

  $ 4,817   $ 651   $ 8,484   $ (57,562 )

Net unrealized holding gains on available-for-sale securities and I/O strips

    7,733     1,417     11,607     1,769  

Less: Deferred income tax

    (3,248 )   (595 )   (4,875 )   (743 )
                   
 

Change in unrealized gains on available-for-sale securities and I/O strips, net of deferred income tax

    4,485     822     6,732     1,026  
                   

Net pension and other post retirement plan liability adjustment

    2,034     112     2,229     348  

Less: Deferred income tax

    (1,498 )   (47 )   (1,579 )   (146 )
                   
 

Change in pension and other post retirement plan liability, net of deferred income tax

    536     65     650     202  
                   
   

Other comprehensive income

    5,021     887     7,382     1,228  
                   
       

Total comprehensive income (loss)

  $ 9,838   $ 1,538   $ 15,866   $ (56,334 )
                   
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CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)
In Thousands, except Share data
Sep. 30, 2011
Dec. 31, 2010
Preferred stock, shares authorized10,000,00010,000,000
Common stock, shares authorized60,000,00060,000,000
Common stock, shares issued26,295,00126,233,001
Common stock, shares outstanding26,295,00126,233,001
Series A Preferred Stock
  
Preferred stock, shares issued40,00040,000
Preferred stock, shares outstanding40,00040,000
Liquidation preference (in dollars)$ 40,250$ 42,810
Series C Preferred Stock
  
Preferred stock, shares issued21,00421,004
Preferred stock, shares outstanding21,00421,004
Liquidation preference (in dollars)$ 21,004$ 21,004
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