0001144204-12-007171.txt : 20120210 0001144204-12-007171.hdr.sgml : 20120210 20120210124350 ACCESSION NUMBER: 0001144204-12-007171 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 9 CONFORMED PERIOD OF REPORT: 20111231 FILED AS OF DATE: 20120210 DATE AS OF CHANGE: 20120210 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Madison Bancorp Inc CENTRAL INDEX KEY: 0001492324 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 272585073 STATE OF INCORPORATION: MD FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-54081 FILM NUMBER: 12590860 BUSINESS ADDRESS: STREET 1: 8615 RIDGELYS CHOICE DRIVE STREET 2: SUITE 111 CITY: BALTIMORE STATE: MD ZIP: 21236 BUSINESS PHONE: 410-529-7400 MAIL ADDRESS: STREET 1: 8615 RIDGELYS CHOICE DRIVE STREET 2: SUITE 111 CITY: BALTIMORE STATE: MD ZIP: 21236 10-Q 1 v301645_10q.htm QUARTERLY REPORT

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

 

FORM 10-Q

 

(Mark one)

 

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

 

For the quarterly period ended December 31, 2011

 

OR

 

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

 

For the transition period from ______________ to _____________

 

Commission file number: 0-54081

 

  MADISON BANCORP, INC.  
(Exact name of registrant as specified in its charter)

  

Maryland   27-258073
(State or other jurisdiction of incorporation or   (I.R.S. Employer Identification No.)
organization)    

 

8615 Ridgely’s Choice Drive, Suite 111, Baltimore, Maryland   21236
(Address of principal executive offices)   (Zip Code)

 

  (410) 529-7400  
(Registrant’s telephone number, including area code)

 

  Not Applicable  
(Former name, former address and former fiscal year, if changed since last report)

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes x  No  ¨

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).   Yes x  No ¨

 

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

 

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

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ¨  No x

 

As of February 8, 2012, there were 608,116 shares of the registrant’s common stock outstanding. 

 

 
 

 

MADISON BANCORP, INC.

 

Table of Contents

 

       

Page

No.

Part I.   Financial Information    
         
Item 1.   Financial Statements (Unaudited)    
         
    Consolidated Statements of Financial Condition as of December 31, 2011 (unaudited) and March 31, 2011 (audited)   3
         
    Consolidated Statements of Operations for the Three and Nine Months Ended December 31, 2011 and 2010 (unaudited)   4
         
    Consolidated Statements of Comprehensive Income for the Three and Nine Months Ended December 31, 2011 and 2010 (unaudited)   5
         
    Consolidated Statements of Changes in Shareholders’ Equity for the Nine Months Ended December 31, 2011 and 2010 (unaudited)   6
         
    Consolidated Statements of Cash Flows for the Nine Months Ended December 31, 2011 and 2010 (unaudited)   7
         
    Notes to Unaudited Consolidated Financial Statements   8
         
Item 2.   Management’s Discussion and Analysis of Financial Condition and Results of Operations   23
         
Item 3.   Quantitative and Qualitative Disclosures About Market Risk   33
         
Item 4.   Controls and Procedures   33
         
Part II.   Other Information    
         
Item 1.   Legal Proceedings   33
         
Item 1A.   Risk Factors   33
         
Item 2.   Unregistered Sales of Equity Securities and Use of Proceeds   33
         
Item 3.   Defaults Upon Senior Securities   33
         
Item 4.   Mine Safety Disclosures   33
         
Item 5.   Other Information   33
         
Item 6.   Exhibits   34
         
Signatures   35

 

2
 

 

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Financial Condition

December 31, 2011 and March 31, 2011

 

   December 31,
 2011
   March 31,
2011
 
   (Unaudited)   (Audited) 
Assets          
Cash and cash equivalents  $6,219,110   $8,183,156 
Certificates of deposit   735,970    482,673 
Investment securities available-for-sale   55,535,366    52,624,969 
Federal Home Loan Bank stock, at cost   234,500    242,500 
Loans receivable, net   84,348,377    86,178,498 
Premises and equipment, net   3,812,548    3,876,969 
Ground rents, net   419,956    453,856 
Other real estate owned   0    434,000 
Accrued interest receivable   452,195    440,683 
Deferred income taxes   0    208,277 
Prepaid expenses and other assets   715,712    865,201 
           
Total Assets  $152,473,734   $153,990,782 
Liabilities and Shareholders’ Equity          
Liabilities          
Deposits:          
Noninterest bearing  $6,220,721   $5,262,091 
NOW and Money Market   7,600,829    8,405,771 
Savings   21,883,944    22,521,417 
Time   101,965,828    103,329,077 
Total Deposits   137,671,322    139,518,356 
Advances from borrowers for taxes and insurance   250,477    557,984 
Deferred income taxes   99,896    0 
Other liabilities   288,654    275,411 
Total Liabilities   138,310,349    140,351,751 
Shareholders’ Equity          
Common Stock, $.01 par value, 10,000,000 shares  authorized.  Issued: 608,116 shares at December 31, 2011  and March 31, 2011   6,081    6,081 
Additional paid-in capital   5,329,802    5,335,052 
Retained earnings   8,868,035    8,846,531 
Unearned ESOP shares   (362,300)   (397,300)
Accumulated other comprehensive income (loss)   321,767    (151,333)
Total Shareholders’ Equity   14,163,385    13,639,031 
           
Total Liabilities and Shareholders’ Equity  $152,473,734   $153,990,782 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

3
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Operations (Unaudited)

Three and Nine Months Ended December 31, 2011 and 2010

 

   Three Months Ended   Nine Months Ended 
   December 31,   December 31, 
   2011   2010   2011   2010 
Interest Revenue                    
Interest and fees on loans  $1,170,312   $1,242,843   $3,561,320   $3,780,677 
Investment securities available-for-sale   256,922    230,231    786,727    665,370 
Investment securities held-to-maturity   0    15,699    0    63,334 
Interest-bearing deposits   5,144    14,185    19,760    41,306 
Other   5,283    6,289    21,050    21,255 
Total Interest Revenue   1,437,661    1,509,247    4,388,857    4,571,942 
Interest Expense                    
Interest on deposits:                    
Time   476,468    525,558    1,467,424    1,658,317 
Savings   11,167    14,670    36,526    43,301 
NOW and Money Market   8,116    8,769    25,303    31,449 
Other interest expense   0    3    0    42 
Total Interest Expense   495,751    549,000    1,529,253    1,733,109 
Net Interest Income   941,910    960,247    2,859,604    2,838,833 
Provision for Loan Losses   90,000    78,832    211,099    190,507 
Net Interest Income after Provision for Loan Losses   851,910    881,415    2,648,505    2,648,326 
Noninterest Revenue                    
Gain on sale of investment securities   53,990    62,261    92,465    118,639 
Other   44,042    65,896    132,847    217,123 
Total Noninterest Revenue   98,032    128,157    225,312    335,762 
Noninterest Expenses                    
Salaries and employee benefits   508,154    462,071    1,525,009    1,415,702 
Occupancy and equipment expense   212,708    278,074    664,551    824,309 
Advertising   2,413    2,731    9,328    6,277 
Professional services   38,668    49,924    129,463    119,115 
FDIC premiums and regulatory assessments   45,000    100,097    149,174    297,495 
Data processing   51,888    44,246    158,024    142,332 
Stationery and postage   16,408    16,623    59,093    54,044 
Other operating expenses   56,683    54,245    157,671    140,581 
Total Noninterest Expense   931,922    1,008,011    2,852,313    2,999,855 
Income (Loss) Before Income Taxes   18,020    1,561    21,504    (15,767)
Income Tax Expense   0    0    0    0 
Net Income (Loss)  $18,020   $1,561   $21,504   $(15,767)
                     
Basic income (loss) per common share  $0.03   $0.00   $0.04   $(0.03)
Diluted income (loss) per common share  $0.03   $0.00   $0.04   $(0.03)

 

The accompanying notes are an integral part of these consolidated financial statements.

 

4
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Comprehensive Income (Unaudited)

Three and Nine Months Ended December 31, 2011 and 2010

 

   Three Months Ended   Nine Months Ended 
   December 31,   December 31, 
   2011   2010   2011   2010 
                 
Net income (loss)  $18,020   $1,561   $21,504   $(15,767)
Other comprehensive income:                    
Securities available for sale:                    
Change in net unrealized gain / loss during the period   (52,304)   (564,098)   873,739    (164,800)
Reclassification adjustment for gains/ losses in net income (loss)   (53,990)   (62,261)   (92,465)   (118,639)
    (106,294)   (626,359)   781,274    (283,439)
Deferred tax expense (benefit):                    
Securities available for sale:                    
Change in net unrealized gain / loss during the period   (20,631)   (222,509)   344,647    (65,005)
Reclassification adjustment for gains/ losses in net income (loss)   (21,297)   (24,559)   (36,473)   (46,797)
    (41,928)   (247,068)   308,174    (111,802)
Other comprehensive income (loss), net of tax   (64,366)   (379,291)   473,100    (171,637)
Comprehensive income (loss)  $(46,346)  $(377,730)  $494,604   $(187,404)

 

The accompanying notes are an integral part of these consolidated financial statements.

 

5
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)

Nine Months Ended December 31, 2011 and 2010

 

                   Accumulated     
       Additional       Unearned   Other   Total 
   Common   Paid-in   Retained   ESOP   Comprehensive   Shareholders’ 
   Stock   Capital   Earnings   Shares   Income   Equity 
Balance March 31, 2010  $0   $0   $8,903,564   $0   $159,463   $9,063,027 
Comprehensive income:                              
Net loss             (15,767)             (15,767)
Other comprehensive loss                       (171,637)   (171,637)
Total comprehensive loss                            (187,404)
Issuance of common stock   6,081    5,333,987                   5,340,068 
Acquisition of unearned ESOP shares                  (425,680)        (425,680)
ESOP shares allocated for release        1,065         28,380         29,445 
Balance December 31, 2010  $6,081   $5,335,052   $8,887,797   $(397,300)  $(12,174)  $13,819,456 
                               
Balance March 31, 2011  $6,081   $5,335,052   $8,846,531   $(397,300)  $(151,333)  $13,639,031 
Comprehensive income:                              
Net income             21,504              21,504 
Other comprehensive income                       473,100    473,100 
Total comprehensive income                            494,604 
ESOP shares allocated for release        (5,250)        35,000         29,750 
Balance December 31, 2011  $6,081   $5,329,802   $8,868,035   $(362,300)  $321,767   $14,163,385 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

6
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Cash Flows (Unaudited)

Nine Months Ended December 31, 2011 and 2010

 

Cash flows from Operating Activities  2011   2010 
Net income (loss)  $21,504   $(15,767)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:          
Net amortization of investment securities   132,690    62,358 
Decrease in net deferred loan costs   9,778    19,636 
Provision for loan losses   211,099    190,507 
Provision for ground rent losses   26,000    6,548 
Gain on sale of investment securities   (92,465)   (118,639)
Loss on sale and write-down of other real estate owned   19,948    0 
Depreciation and amortization   170,134    174,315 
ESOP expense   29,750    29,445 
Changes in operating assets and liabilities:          
Accrued interest receivable   (11,512)   5,713 
Prepaid expenses and other assets   149,489    361,753 
Other liabilities   13,243    (37,942)
Net Cash provided by (used in) operating activities   679,658    677,927 
Cash flows from Investing Activities          
Decrease in loans receivable, net   1,609,244    3,072,422 
Increase in investment certificates of deposit, net   (253,297)   (491,743)
Activity in held-to-maturity securities:          
Sales   0    687,875 
Maturities and repayments   0    393,856 
Activity in available-for-sale securities:          
Sales   21,716,249    5,031,256 
Maturities, repayments and calls   14,037,695    15,399,989 
Purchases   (37,923,293)   (34,013,130)
Purchase of property and equipment   (106,161)   (52,099)
Proceeds from sale of property and equipment   448    0 
Redemption of FHLB stock   8,000    0 
Proceeds from the sale of OREO   414,052    0 
Proceeds from sale of ground rents   7,900    6,100 
Net cash provided by investing activities   (489,163)   (9,965,474)
Cash flow from Financing Activities          
Increase (decrease) increase in deposits, net   (1,847,034)   2,798,439 
Decrease in advances from borrowers, net   (307,507)   (336,375)
Net proceeds from the issuance of common stock   0    5,340,068 
Acquisition of ESOP shares   0    (425,680)
Net cash provided by financing activities   (2,154,541)   7,376,452 
Net Change in Cash and Cash Equivalents   (1,964,046)   (1,911,095)
Cash and Cash Equivalents, Beginning of Period   8,183,156    13,354,975 
Cash and Cash Equivalents, End of Period  $6,219,110   $11,443,880 
           
Supplemental disclosure:          
Interest paid  $1,528,901   $1,742,613 
Loans transferred to other real estate owned  $0   $434,000 
Held-to-maturity investments transferred to available-for-sale  $0   $1,216,265 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

7
 

 

MADISON BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited)

DECEMBER 31, 2011

 

Note 1. Activities and Summary of Significant Accounting Policies

 

Madison Bancorp, Inc. (Company) was incorporated on May 20, 2010, to be the holding company for Madison Square Federal Savings Bank (Bank) in conjunction with the Bank’s plan of conversion from the mutual to stock form of ownership. On October 6, 2010, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a mutual savings bank to a stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 608,116 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of $5,340,068, net of offering expenses of $741,092. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 7% of the number of shares sold in the offering, or 42,568 shares of common stock. Accordingly, the reported results for the period since the conversion date relate to the consolidated holding company and the reported results for periods prior to the conversion date related to the results for the bank and its subsidiary. All material intercompany accounts and transaction have been eliminated in consolidation.

 

In accordance with applicable regulations governing the conversion, upon the completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

 

Madison Square Federal Savings Bank was incorporated in 1870 under the laws of the State of Maryland. The Bank is a federally chartered savings bank engaged in banking and related services primarily in the Baltimore Metropolitan area.

 

Summary of Significant Accounting Policies

 

The foregoing consolidated financial statements are unaudited; however, in the opinion of management, we have included all adjustments (comprising only normal recurring accruals) necessary for a fair presentation of the results of the interim period. We derived the balances as of March 31, 2011, from audited financial statements. These statements should be read in conjunction with Madison Bancorp’s financial statements and accompanying notes included in Madison Bancorp’s Form 10-K for the year ended March 31, 2011. We have made no significant changes to Madison Bancorp’s accounting policies as disclosed in the Form 10-K.

 

The accounting and reporting policies of Madison Bancorp, Inc. and Subsidiaries (collectively “Madison”) conform to accounting principles generally accepted in the United States of America (“U.S. GAAP”) and to general practices in the banking industry. The more significant policies follow:

 

Principles of Consolidation. The accompanying consolidated financial statements include the accounts of the parent company and its wholly owned subsidiary, Madison Square Federal Savings Bank and its wholly owned subsidiary, Madison Financial Services Corporation (MFSC). MFSC is engaged in the business of insurance and brokerage services primarily in the Baltimore area. All significant intercompany balances and transactions have been eliminated in consolidation.

 

Reclassifications. Certain prior year amounts have been reclassified to conform to current period classifications. The reclassifications had no effect on net loss or the net change in cash and cash equivalents and are not material to previously issued financial statements.

 

8
 

 

Use of Estimates. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and the accompanying notes. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income tax valuation allowances, the fair value of investment securities, and other than temporary impairment of investment securities.

 

Subsequent Events. We evaluated subsequent events after December 31, 2011 through February 8, 2012, the date this report was available to be issued. No significant subsequent events were identified which would affect the presentation of the financial statements.

 

Recently Adopted Accounting Guidance

 

In June 2011, the FASB issued ASU No. 2011-05, “Comprehensive Income (Topic 220)-Presentation of Comprehensive Income” which amended disclosure guidance related to comprehensive income. The amendment requires that all nonowner changes in shareholders’ equity be presented in either a single continuous statement of comprehensive income or in two separate but consecutive statements. The amendment also requires entities to present, on the face of the financial statements, reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement or statements where components of net income and the components of other comprehensive income are presented. The option to present components of other comprehensive income as part of the consolidated statement of changes in shareholders’ equity was eliminated. The amendments in this update are effective for fiscal years and interim periods within those years beginning after December 15, 2011. Adoption of this guidance has not had a material impact on our consolidated results of operations or financial condition. Portions of the implementation of this guidance have been deferred by ASU 2011-12. The portions that have been deferred are not expected to have a material impact on our consolidated results of operations or financial condition.

 

In May 2011, the FASB issued ASU 2011-04, “Fair Value Measurement (Topic 820) - Amendments to Achieve Common Fair Value Measurements and Disclosure Requirements in U.S. GAAP and IFRSs.” ASU 2011-04 amends Topic 820, “Fair Value Measurements and Disclosures,” to converge the fair value measurement guidance in U.S. generally accepted accounting principles and International Financial Reporting Standards. ASU 2011-04 clarifies the application of existing fair value measurement requirements, changes certain principles in Topic 820, and requires additional fair value disclosures. This guidance is effective for annual periods beginning after December 15, 2011, and is not expected to have a material impact on our consolidated results of operations or financial condition.

 

In April 2011, the FASB issued ASU No. 2011-02, “Receivables (Topic 310)-A Creditor’s Determination of Whether a Restructuring Is a Troubled Debt Restructuring”, which amended accounting and disclosure guidance relating to a creditor’s determination of whether a restructuring is a troubled debt restructuring. The amendments clarify the guidance on a creditor’s evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. The amendments are effective for the first interim or annual period beginning on or after June 15, 2011, and should be applied retrospectively to the beginning of the annual period of adoption. As a result of the application of the amendments, receivables previously measured under loss contingency guidance that are newly considered impaired should be disclosed, along with the related allowance for credit losses, as of the end of the period of adoption. For purposes of measuring impairment of those receivables, an entity should apply the amendments prospectively for the first interim or annual period beginning on or after June 15, 2011. The deferred credit risk disclosure guidance issued in July 2010 relating to troubled debt restructurings will now be effective for interim and annual periods beginning on or after June 15, 2011. Adoption of this guidance has not had a material impact on our consolidated results of operations or financial condition.

 

9
 

 

Note 2. Earnings per Share

 

When presented, basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. The calculation of weighted average common shares outstanding for the three and nine months periods ended December 31, 2010, is based on the period from October 6, 2010, the date of the conversion stock issuance, through December 31, 2010.

 

   Three Months Ended
December 31,
   Nine Months Ended
December 31,
 
   2011   2010   2011   2010 
                 
Net income (loss)  $18,020   $1,561   $21,504   $(15,767)
Average common shares outstanding   568,424    565,581    568,399    565,581 
Earnings per common share  $0.03   $0.00   $0.04   $(0.03)

 

10
 

 

Note 3. Investment Securities

 

The amortized cost and estimated fair value of investment securities at December 31, 2011 and March 31, 2011, are summarized as follows:

 

   Amortized
Cost
   Gross
Unrealized
Gains
   Gross
Unrealized
Losses
   Estimated
Fair Value
 
December 31, 2011                    
Investment securities available-for-sale:                    
U.S. government agencies  $3,352,028   $6,041   $12   $3,358,057 
Brokered certificates of deposit   6,562,173    2,613    16,265    6,548,521 
Mortgage-backed securities (Agency)   37,058,015    530,866    11,758    37,577,123 
Collateralized mortgage obligations (Agency)   8,031,786    26,473    6,594    8,051,665 
   $55,004,002   $565,993   $34,629   $55,535,366 

 

   Amortized
Cost
   Gross
Unrealized
Gains
   Gross
Unrealized
Losses
   Estimated
Fair Value
 
March 31, 2011                    
Investment securities available-for-sale:                    
U.S. government agencies  $10,233,047   $6,989   $84,729   $10,155,307 
Brokered certificates of deposit   4,785,434    5,149    13,986    4,776,597 
Mortgage-backed securities (Agency)   33,117,844    315,611    416,993    33,016,462 
Collateralized mortgage obligations (Agency)   4,475,445    18,513    7,432    4,486,526 
Collateralized mortgage obligations (Nonagency)   263,109    5,872    78,904    190,077 
   $52,874,879   $352,134   $602,044   $52,624,969 

 

The bank has arranged for a $4.1 million line of credit for liquidity to meet expected and unexpected cash needs with a large financial institution. Any advances would be collateralized by the broker certificates of deposit and various U.S. Government Agency securities. As of December 31, 2011 and March 31, 2011, there were no borrowings or securities pledged under this line of credit.

 

11
 

 

The following is a summary of contractual maturities of securities available-for-sale as of December 31, 2011:

 

   Available-for-Sale 
   Amortized   Estimated 
   Cost   Fair Value 
Amounts maturing in:          
One year or less  $3,666,173   $3,667,022 
After one year through five years   3,746,000    3,735,020 
After five years through ten years   2,002,028    2,004,537 
After ten years   500,000    499,999 
    9,914,201    9,906,578 
           
Mortgage-backed securities (Agency)   37,058,015    37,577,123 
Collateralized mortgage obligations (Agency)   8,031,786    8,051,665 
   $55,004,002   $55,535,366 

 

Proceeds from sales of investment securities were $21.7 million and $5.7 million during the nine months ended December 31, 2011 and 2010, respectively with gains of $394,000 and losses of $302,000 for the nine months ended December 31, 2011 and gains of $175,000 and losses of $56,000 for the nine months ended December 31, 2010.

 

The following table presents Madison’s investments’ gross unrealized losses and the corresponding fair values by investment category and length of time that the securities have been in a continuous unrealized loss position at December 31, 2011.

 

   Less than 12 Months   12 Months or More   Total 
December 31, 2011  Estimated
Fair Value
   Gross
Unrealized
Losses
   Estimated
Fair Value
   Gross
Unrealized
Losses
   Estimated
Fair Value
   Gross
Unrealized
Losses
 
                         
Investment securities available-for-sale:                              
U.S. Government agencies  $752,016   $12   $0   $0   $752,016   $12 
Brokered certificates of deposit   2,496,533    14,467    855,202    1,798    3,351,735    16,265 
Mortgage-backed securities (Agency)   3,714,429    11,758    0    0    3,714,429    11,758 
Collateralized mortgage obligations (Agency)   1,391,275    3,920    423,101    2,674    1,814,376    6,594 
   $8,354,253   $30,157   $1,278,303   $4,472   $9,632,556   $34,629 

 

The gross unrealized losses are not considered by management to be other-than-temporary impairments. Management has the intent and ability to hold these securities until maturity. In most cases, temporary impairment is caused by market interest rate fluctuations.

 

12
 

 

Note 4. Loans Receivable

 

Loans receivable consist of the following at December 31, 2011 and March 31, 2011:

 

   December 31,
2011
   March 31,
2011
 
Loans secured by mortgages:          
Residential:          
1-4 Single family  $52,526,958   $57,608,257 
Multifamily   1,612,603    1,667,385 
Lines of credit   2,049,572    1,756,463 
Commercial   15,848,117    12,154,376 
Land   6,686,979    5,566,059 
Construction   1,567,758    2,175,906 
    80,291,987    80,928,446 
Consumer   611,975    828,925 
Commercial   4,136,809    4,962,980 
Total loans receivable   85,040,771    86,720,351 
Net deferred costs   83,904    93,682 
Allowance for loan losses   (776,298)   (635,535)
Loans receivable, net  $84,348,377   $86,178,498 

 

The following presents by class and by credit quality indicator, the recorded investment in the Company’s loans as of December 31, 2011 and March 31, 2011.

 

Commercial Credit Exposure  Commercial, 
Not Real Estate Secured
   Commercial Real Estate 
   December 31,
2011
   March 31,
2011
   December 31,
2011
   March 31,
2011
 
Grade:                    
Pass  $4,101,434   $4,247,846   $13,584,401   $10,926,093 
Special Mention   35,375    715,134    2,263,716    1,228,283 
Substandard   0    0    0    0 
Doubtful   0    0    0    0 
Loss   0    0    0    0 
   $4,136,809   $4,962,980   $15,848,117   $12,154,376 

 

Other Credit Exposure  Construction, Land, and
Land Development
   Residential Real Estate
Other (1)
   Consumer 
   December 31,
2011
   March 31,
2011
   December 31,
2011
   March 31,
2011
   December 31,
2011
   March 31,
2011
 
Grade:                              
Pass  $6,853,603   $6,903,681   $54,945,956   $59,969,972   $603,874   $828,925 
Special Mention   1,168,032    603,782    643,912    967,829    0    0 
Substandard   233,102    234,502    599,265    94,304    8,101    0 
Doubtful   0    0    0    0    0    0 
Loss   0    0    0    0    0    0 
   $8,254,737   $7,741,965   $56,189,133   $61,032,105   $611,975   $828,925 
                               


(1)Residential real estate other includes 1-4 family residential, multifamily residential and home equity lines of credit.

 

13
 

 

Age Analysis of Past Due Loans as of December 31, 2011 and March 31, 2011

 

December 31, 2011  30-59 Days
Past Due
   60-89
Days Past
Due
   90 Days or
More Past
Due and
Nonaccruing
   Total Past
Due and
Nonaccruing
   Current   Total Loans 
Loans secured by mortgages:                              
Residential:                              
1-4 Single family  $1,475,642   $748,914   $215,639   $2,440,195   $50,086,763   $52,526,958 
Multifamily   0    0    0    0    1,612,603    1,612,603 
Lines of credit   0    0    0    0    2,049,572    2,049,572 
Commercial   386,307    0    0    386,307    15,461,810    15,848,117 
Land   0    0    0    0    6,686,979    6,686,979 
Construction   0    0    0    0    1,567,758    1,567,758 
    1,861,949    748,914    215,639    2,826,502    77,465,485    80,291,987 
Consumer   6,442    0    8,101    14,543    597,432    611,975 
Commercial   35,375    0    0    35,375    4,101,434    4,136,809 
   $1,903,766   $748,914   $223,740   $2,876,420   $82,164,351   $85,040,771 

 

March 31, 2011  30-59 Days
Past Due
   60-89
Days Past
Due
   90 Days or
More Past
Due and
Nonaccruing
   Total Past
Due and
Nonaccruing
   Current   Total Loans 
Loans secured by mortgages:                              
Residential:                              
1-4 Single family  $707,959   $0   $9,137   $717,096   $56,891,161   $57,608,257 
Multifamily   0    0    0    0    1,667,385    1,667,385 
Lines of credit   0    0    0    0    1,756,463    1,756,463 
Commercial   393,545    0    0    393,545    11,760,831    12,154,376 
Land   0    0    0    0    5,566,059    5,566,059 
Construction   0    0    0    0    2,175,906    2,175,906 
    1,101,504    0    9,137    1,110,641    79,817,805    80,928,446 
Consumer   891    6,535    0    7,426    821,499    828,925 
Commercial   0    0    0    0    4,962,980    4,962,980 
   $1,102,395   $6,535   $9,137   $1,118,067   $85,602,284   $86,720,351 

 

There are no loans that are 90 days or more past due that are in accrual status at either December 31, 2011 or March 31, 2011.

 

Loans on Nonaccrual Status as of December 31, 2011 and March 31, 2011

 

   December 31, 2011   March 31, 2011 
Nonaccrual loans:          
Residential 1-4 Single family  $215,639   $9,137 
Consumer   8,101    0 
Total nonaccrual loans  $223,740   $9,137 
Allowance for loan losses as a percentage of nonaccrual loans   346.96%   6,955.62%
Foregone interest on nonaccrual loans  $7,709   $610 

  

14
 

 

Troubled Debt Restructurings as of December 31, 2011 and March 31, 2011

 

   December 31, 2011   March 31, 2011 
Troubled debt restructurings:          
Residential 1-4 Single family  $383,626   $0 

 

This one troubled debt restructuring (TDR) is in accrual status and is in compliance with its modified terms. The Bank modified the interest rate by decreasing it by 1.875% which reduced their monthly payment and we deferred the modification fee until the end of the loan. The Bank has taken a $50,000 specific reserve against the loan, and it is included with impaired loans.

 

Impaired Loans as of and for the Nine Months Ended December 31, 2011

 

   Unpaid Principal
Balance
   Related
Allowance
   Average Unpaid
Principal  Balance
   Interest Income
Recognized
 
                 
Impaired loans without a related reserve:                    
Loans secured by mortgages:                    
Residential:                    
1-4 Single family  $209,093   $0   $267,299   $420 
Multifamily   0    0    0    0 
Lines of credit   0    0    0    0 
Commercial   0    0    0    0 
Land   0    0    0    0 
Construction   0    0    0    0 
    209,093    0    267,299    420 
Consumer   8,101    0    9,176    330 
Commercial   0    0    0    0 
Total impaired loans without a related reserve   217,194    0    276,475    750 
                     
Impaired loans with a related reserve:                    
Loans secured by mortgages:                    
Residential:                    
1-4 Single family   390,172    53,820    393,017    15,510 
Multifamily   0    0    0    0 
Lines of credit   0    0    0    0 
Commercial   0    0    0    0 
Land   233,102    71,833    233,947    8,184 
Construction   0    0    0    0 
    623,274    125,653    626,964    23,694 
Consumer   0    0    0    0 
Commercial   0    0    0    0 
Total impaired loans with a related reserve   623,274    125,653    626,964    23,694 
                     
Total impaired loans:                    
Loans secured by mortgages:                    
Residential:                    
1-4 Single family   599,265    53,820    660,316    15,930 
Multifamily   0    0    0    0 
Lines of credit   0    0    0    0 
Commercial   0    0    0    0 
Land   233,102    71,833    233,947    8,184 
Construction   0    0    0    0 
    832,367    125,653    894,263    24,114 
Consumer   8,101    0    9,176    330 
Commercial   0    0    0    0 
Total impaired loans  $840,468   $125,653   $903,439   $24,444 

 

15
 

 

The construction portion of the construction loan that was previously reported as impaired was sold, and the remaining portion of the project is secured by land only and is therefore reported in the land section of the impaired loan table for the nine months ended December 31, 2011.

 

16
 

 

Impaired Loans as of and for the Year Ended March 31, 2011

 

   Unpaid Principal
Balance
   Related
Allowance
   Average Unpaid
Principal  Balance
   Interest Income
Recognized
 
                 
Impaired loans without a related reserve:                    
Loans secured by mortgages:                    
Residential:                    
1-4 Single family  $94,304   $0   $99,211   $4,502 
Multifamily   0    0    0    0 
Lines of credit   0    0    0    0 
Commercial   0    0    0    0 
Land   0    0    0    0 
Construction   0    0    0    0 
    94,304    0    99,211    4,502 
Consumer   0    0    0    0 
Commercial   0    0    0    0 
Total impaired loans without a related reserve   94,304    0    99,211    4,502 
                     
Impaired loans with a related reserve:                    
Loans secured by mortgages:                    
Residential:                    
1-4 Single family   0    0    0    0 
Multifamily   0    0    0    0 
Lines of credit   0    0    0    0 
Commercial   0    0    0    0 
Land   0    0    0    0 
Construction   234,502    71,845    585,731    26,500 
    234,502    71,845    585,731    26,500 
Consumer   0    0    0    0 
Commercial   0    0    0    0 
Total impaired loans with a related reserve   234,502    71,845    585,731    26,500 
                     
Total impaired loans:                    
Loans secured by mortgages:                    
Residential:                    
1-4 Single family   94,304    0    99,211    4,502 
Multifamily   0    0    0    0 
Lines of credit   0    0    0    0 
Commercial   0    0    0    0 
Land   0    0    0    0 
Construction   234,502    71,845    585,731    26,500 
    328,806    71,845    684,942    31,002 
Consumer   0    0    0    0 
Commercial   0    0    0    0 
Total impaired loans  $328,806   $71,845   $684,942   $31,002 

 

We occasionally modify loans to extend the term to help borrowers stay current on their loan and to avoid foreclosure in those instances in which we believe the borrower will be able to repay the loan under the modified terms. At December 31, 2011, we had six 1-4 single family mortgage loans totaling approximately $1.1 million for which we modified the terms either by increasing the payments to allow the customer to become current or deferring payments to the end of the term in the form of a balloon payment. We did not forgive any principal or interest or modify the interest rates on the loans. Three of these six modified loans with a balance of $553,000 were in compliance with their modified terms at December 31, 2011. One loan with a balance of $201,000 is 30 days past due and one loan with a balance of $184,000 is 60 days past due. One loan with a balance of $185,000 is not in compliance with its modified terms and is in nonaccrual status. This loan is considered impaired, and we have charged off $53,000 in the current quarter. At December 31, 2011, we had one loan with a balance of $384,000 that is considered a trouble debt restructuring, and we have taken a specific reserve of $50,000. At March 31, 2011, we did not have any loans that were considered troubled debt restructurings.

 

17
 

 

Note 5. Allowance for Loan Losses

 

The activity in the allowance for loan losses is as follows:

 

   Nine Months
Ended
December 31,
2011
   Year Ended
March 31,
2011
   Nine Months
Ended
December 31,
2010
 
Balance - Beginning of Year  $635,535   $605,000   $605,000 
Provision for loan losses   211,099    234,519    190,507 
Recoveries:               
Residential 1-4 Single family   3,366    1,641    1,641 
Charge-offs:               
Residential 1-4 Single family   (60,500)   (31,810)   (28,233)
Construction   0    (173,815)   (173,815)
Commercial   (13,202)   0    0 
Total charge-offs   (73,702)   (205,625)   (202,048)
Net charge-offs   (70,336)   (203,984)   (200,407)
Balance - End of Period  $776,298   $635,535   $595,100 

 

The following table sets forth for the nine months ended December 31, 2011, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually. The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance to absorb losses in other portfolio segments.

 

   Loans Secured By Mortgages     
   Residential       Not Real Estate Secured     
   1-4 Single   Multi-   Lines of                             
   Family   family   Credit   Commercial   Land   Construction   Consumer   Commercial   Unallocated   Total 
Allowance for loan losses:                                                  
Beginning balance  $185,114   $17,417   $8,441   $141,331   $73,355   $95,779   $5,848   $63,745   $44,505   $635,535 
Charge-offs   (60,500)   0    0    0    0    0    0    (13,202)   0    (73,702)
Recoveries   3,366    0    0    0    0    0    0    0    0    3,366 
Provision   114,526    2,166    3,505    89,388    99,174    (71,424)   (1,668)   6,242    (30,810)   211,099 
Ending Balance  $242,506   $19,583   $11,946   $230,719   $172,529   $24,355   $4,180   $56,785   $13,695   $776,298 
                                                   
Ending balance:                                                  
Individually evaluated for impairment  $55,352   $0   $0   $0   $71,833   $0   $690   $0   $0   $127,875 
Collectively evaluated for impairment  $187,154   $19,583   $11,946   $230,719   $100,696   $24,355   $3,490   $56,785   $13,695   $648,423 
                                                   
Loans:                                                  
Ending balance  $52,526,958   $1,612,603   $2,049,572   $15,848,117   $6,686,979   $1,567,758   $611,975   $4,136,809        $85,040,771 
Ending balance:                                                  
Individually evaluated for impairment   599,265    0    0    0    233,102    0    8,101    0         840,468 
Collectively evaluated for impairment  $51,927,693   $1,612,603   $2,049,572   $15,848,117   $6,453,877   $1,567,758   $603,874   $4,136,809        $84,200,303 

 

18
 

 

Madison recorded a partial charge-off on two residential 1-4 single family mortgage loans, writing them down to their net realizable value and recorded a full charge-off on one commercial loan for the nine months ended December 31, 2011.

 

Note 6. Borrowings

 

At December 31, 2011, the Bank had the ability to borrow a total of approximately $30.5 million from the Federal Home Loan Bank of Atlanta, and the Bank has a $4.1 million line of credit with a large financial institution. The FHLB borrowing requires us to pledge mortgage loans as collateral, and the line of credit requires us to pledge brokered CD’s or US Government Agency securities. At December 31, 2011, we had no Federal Home Loan Bank advances outstanding or borrowings on the line of credit. The rates on both borrowing lines will be determined at the time of an advance.

 

Note 7. Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk

 

In the normal course of business, the Bank has various outstanding commitments and contingent liabilities that are not reflected in the accompanying financial statements. Loan commitments and lines of credit are agreements to lend to a customer as long as there is no violation of any condition to the contract. Mortgage loan commitments generally have fixed interest rates, fixed expiration dates, and may require payment of a fee. Other loan commitments generally have fixed interest rates. Commitments to purchase loans do not represent future cash requirements, as it is unlikely all loans will be closed prior to the expiration of the commitment. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will draw upon their lines in full at any time. Letters of credit are commitments issued to guarantee the performance of a customer to a third party.

 

The Bank’s maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the credit commitment. Loan commitments, lines of credit, and letters of credit are made on the same terms, including collateral, as outstanding loans. Management is not aware of any accounting loss to be incurred by funding these loan commitments.

 

The Bank had outstanding firm commitments to originate, fund, or purchase loans as follows:

 

   December 31,
2011
   March 31,
 2011
 
         
Mortgage loans commitments – fixed rate  $822,724   $2,780,080 
Mortgage loans commitments – variable rate   3,365,592    4,284,968 
Commitments to originate nonmortgage loans   43,000    0 
Commitments to purchase loans   0    606,813 
Unused equity lines of credit (variable rate)   1,980,935    1,554,378 
Commercial and consumer lines of credit   742,156    801,645 
Standby letters of credit   675,023    472,708 
Total  $7,629,430   $10,500,592 

 

Note 8. Fair Value Measurements

 

Accounting guidance defines fair value to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. These standards have also established a three-level hierarchy for fair value measurements based upon the inputs to the valuation of an asset or liability.

 

·Level 1 — Valuation is based on quoted prices in active markets for identical assets and liabilities.

 

19
 

 

·Level 2 — Valuation is determined from quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar instruments in markets that are not active or by model-based techniques in which all significant inputs are observable in the market.
·Level 3 — Valuation is derived from model-based techniques in which at least one significant input is unobservable and based on the Bank’s own estimates about the assumptions that market participants would use to value the asset or liability.

 

Investment securities available-for-sale are the only financial assets measured at fair value on a recurring basis. As of December 31, 2011 and March 31, 2011, the fair values were measured using the following methodologies:

 

   December 31, 2011 
   Level 1   Level 2   Level 3   Total 
Investment securities available-for-sale:                    
U.S. Government agencies  $1,599,925   $1,758,132   $0   $3,358,057 
Brokered certificates of deposit   6,548,521    0    0    6,548,521 
Mortgage-backed securities (Agency)   7,230,506    30,346,617    0    37,577,123 
Collateralized mortgage obligations (Agency)   3,105,002    4,946,663    0    8,051,665 
   $18,483,954   $37,051,412   $0   $55,535,366 

 

   March 31, 2011 
   Level 1   Level 2   Level 3   Total 
Investment securities available-for-sale:                    
U.S. Government agencies  $3,601,607   $6,553,700   $0   $10,155,307 
Brokered certificates of deposit   4,776,597    0    0    4,776,597 
Mortgage-backed securities (Agency)   1,367,178    31,646,558    2,726    33,016,462 
Collateralized mortgage obligations (Agency)   785,161    3,182,752    518,613    4,486,526 
Collateralized mortgage obligations (Nonagency)   0    190,077    0    190,077 
   $10,530,543   $41,573,087   $521,339   $52,624,969 

 

The following table represents a roll-forward of the amounts for the nine months ended December 31, 2011 and the year ended March 31, 2011, for financial instruments classified by Madison within Level 3 of the valuation hierarchy.

 

   For the Nine
Months Ended
December 31,
2011
   For the Year
Ended
March 31,
2011
 
         
Balance at beginning of the period  $521,339   $3,623 
Total realized and unrealized gains and losses:          
Included in net income   0    0 
Included in other comprehensive income   0    0 
Purchases   0    529,984 
Sales   (2,246)   0 
Paydowns   (480)   (12,268)
Transfers in and/or out of Level 3   (518,613)   0 
Balance at the end of the period  $0   $521,339 

 

20
 

 

The one security included in the table above as transferred out of Level 3 was newly issued for the quarter ended March 31, 2011 and was therefore not valued yet by the third party valuation service. The security was seasoned enough for the third party valuation service to provide a fair value for the quarter ended September 30, 2011, and was transferred out of Level 3.

 

The Bank measures its other real estate owned on a nonrecurring basis at fair value less cost to sell. Cost to sell the real estate was based on standard market factors. The Bank has categorized its foreclosed real estate as Level 3. During the second quarter, Madison sold the one property that they had in other real estate owned.

 

The bank measures its impaired assets on a nonrecurring basis at fair value and has categorized them at Level 3. The Bank does not measure the fair value of its other financial assets or liabilities on a recurring or nonrecurring basis.

 

The estimated fair values of financial instruments are as follows:

 

   December 31, 2011   March 31, 2011 
(dollars in thousands)  Carrying
Amount
   Estimated
Fair Value
   Carrying
Amount
   Estimated
Fair Value
 
Assets:                    
Cash and cash equivalents  $6,219   $6,219   $8,183   $8,183 
Certificates of deposit   736    736    483    483 
Investment securities   55,535    55,535    52,625    52,625 
Loans, net   84,348    84,450    86,178    86,250 
Ground rents, net   420    290    454    313 
Total financial assets  $147,258   $147,230   $147,923   $147,854 

 

   December 31, 2011   March 31, 2011 
   Carrying
Amount
   Estimated
Fair Value
   Carrying
Amount
   Estimated
Fair Value
 
Liabilities:                    
Deposits  $137,671   $139,042   $139,518   $141,281 
Advances from borrowers for taxes and insurance   250    250    558    558 
Total financial liabilities  $137,921   $139,292   $140,076   $141,839 

 

The following methods and assumptions were used to estimate the fair value disclosures for financial instruments as of December 31, 2011 and March 31, 2011:

 

Cash and cash equivalents: The amounts reported at carrying amount approximate the fair value of these assets.

 

Certificates of deposit: The amounts reported at carrying amount approximate the fair value of these assets.

 

Investment securities: The fair values are based on the quoted market values or values of securities with similar rates and terms. The fair values are provided to the Bank by a third party.

 

Loans, net: We estimate the fair value of loans by discounting future cash flows using current rates for which we would make similar loans to borrowers with similar credit histories.

 

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Ground rents, net: The fair values are based on limited information regarding recent sales of similar assets.

 

Deposits: The fair value of demand deposits and savings accounts is the amount payable on demand. We estimate the fair value of fixed maturity certificates of deposit using the rates currently offered for deposits of similar remaining maturities.

 

Advances from borrowers for taxes and insurance: The amounts reported at carrying amount approximate the fair value of these assets.

 

Note 9. Regulatory Capital Ratios for Madison Square Federal Savings Bank

 

       Minimum   To Be Well 
   Actual   Requirements   Capitalized 
(dollars in thousands)  Amount   %   Amount   %   Amount   % 
                         
As of December 31, 2011:                              
Total risk-based capital (to risk-weighted assets)  $12,727    16.6%  $6,144    8.0%  $7,380    10.0%
Tier I capital (to risk-weighted assets)   12,070    15.7    N/A    N/A    4,608    6.0 
Tier I capital (to adjusted total assets)   12,070    8.0    6,068    4.0    7,585    5.0 
                               
As of March 31, 2011:                              
Total risk-based capital (to risk-weighted assets)  $12,531    16.7%  $6,010    8.0%  $7,512    10.0%
Tier I capital (to risk-weighted assets)   11,963    15.9    N/A    N/A    4,507    6.0 
Tier I capital (to adjusted total assets)   11,963    7.8    6,157    4.0    7,696    5.0 

 

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Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operation


Safe Harbor Statement for Forward-Looking Statements

 

This report may contain forward-looking statements within the meaning of the federal securities laws. These statements are not historical facts; rather they are statements based on the Company’s current expectations regarding its business strategies and their intended results and its future performance. Forward-looking statements are preceded by terms such as “expects”, “believes”, “anticipates”, “intends”, and similar expressions.

 

Forward-looking statements are not guarantees of future performance. Numerous risks and uncertainties could cause or contribute to the Company’s actual results, performance, and achievements being materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government, legislative and regulatory changes, the quality and composition of the loan and investment securities portfolio, loan demand, deposit flows, competition, and changes in accounting principles and guidelines. Additional factors that may affect our results are discussed in item 1A of the Company’s Annual Report on Form 10-K filed on June 28, 2011 under the section titled “Risk Factors.” These factors should be considered in evaluating the forward-looking statements, and undue reliance should not be placed on such statements. Except as required by applicable law or regulation, the Company assumes no obligation and disclaims any obligation to update any forward-looking statements.

 

Critical Accounting Policies

 

We consider accounting policies involving significant judgments and assumptions by management that have, or could have, a material impact on the carrying value of certain assets or on income to be critical accounting policies. The following represent our critical accounting policies:

 

Allowance for Loan Losses. The allowance for loan losses is the amount estimated by management as necessary to cover losses inherent in the loan portfolio at the balance sheet date. The allowance is established through the provision for loan losses, which is charged to income. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Among the material estimates required to establish the allowance are: loss exposure at default, the amount and timing of future cash flows on impacted loans, value of collateral, and determination of loss factors to be applied to the various elements of the portfolio. All of these estimates are susceptible to significant change. Management reviews the level of the allowance monthly and establishes the provision for loan losses based upon an evaluation of the portfolio, past loss experience, current economic conditions, and other factors related to the collectability of the loan portfolio. Although we believe that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic or other conditions differ substantially from the assumptions used in making the evaluation. In addition, the Office of The Controller of the Currency, as an integral part of its examination process, periodically reviews our allowance for loan losses and may require us to recognize adjustments to the allowance based on its judgments about information available to it at the time of its examination. A large loss could deplete the allowance and require increased provisions to replenish the allowance, which would adversely affect earnings.

 

Fair Value of Investments. Securities are characterized as available-for-sale or held-to-maturity based on management’s ability and intent regarding such investment at acquisition. On an ongoing basis, management must estimate the fair value of its investment securities based on information and assumptions it deems reliable and reasonable, which may be quoted market prices or if quoted market prices are not available, fair values extrapolated from the quoted prices of similar instruments. Based on this information, an assessment must be made as to whether any decline in the fair value of an investment security should be considered an other-than-temporary impairment and recorded in noninterest revenue as a loss on investments. The determination of such impairment is subject to a variety of factors, including management’s judgment and experience.

 

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Comparison of Financial Condition at December 31, 2011 and March 31, 2011

 

Assets. Total assets decreased $1.5 million from $154.0 million at March 31, 2011, to $152.5 million at December 31, 2011, with a $2.0 million, or 24% decrease in cash and cash equivalents and a $1.8 million, or 2.1% decrease in loans receivable, net offset by a $2.9 million, or 5.5% increase in investment securities available for sale.

 

Loans. Net loans receivable decreased by $1.8 million, or 2.1%, from $86.2 million at March 31, 2011 to $84.4 million at December 31, 2011, primarily as a result of the net effect of a $5.1 million decrease in residential mortgage loans, an $826,000 decrease in commercial loans, a $608,000 decrease in construction loans, a $217,000 decrease in consumer loans, and a $55,000 decrease in multifamily mortgage loans offset by a $3.7 million increase in commercial real estate loans, a $1.1 million increase in land loans, and a $293,000 increase in home equity lines of credit. The decrease in residential mortgage loans was primarily a result of borrowers refinancing loans elsewhere, normal principal reductions, and the reclassification of three loans with a balance of $1.6 million to commercial real estate. A portion of the increase in commercial real estate loans and the decrease in commercial loans was from a reclassification of a $668,000 loan from commercial to commercial real estate.

 

Cash and Cash Equivalents. Cash and cash equivalents decreased by $2.0 million, or 24%, from $8.2 million at March 31, 2011 to $6.2 million at December 31, 2011, due to the reinvesting of excess liquidity and the repayments of loans into investment securities.

 

Securities. Our available-for-sale securities increased by $2.9 million, or 5.5%, from $52.6 million at March 31, 2011 to $55.5 million at December 31, 2011. The net increase in available-for-sale securities is the result of the purchase of $35.3 million of U.S. Government Agency bonds, mortgage backed securities, collateralized mortgage obligations, and $2.6 million of Brokered Investment CD’s. These purchases were offset by the sale of the entire Redemption-In-Kind portfolio with proceeds of $774,000 as well as $20.9 million of selected U.S. Agency mortgage backed securities and U.S. Government Agency bonds. The additional offset to the increase in available-for-sale securities was also caused by $14.0 million of securities being called, having matured, or repayments. Proceeds from the sale of available-for-sale securities were $21.7 million during the nine months ended December 31, 2011, resulting in gross gains of $394,000 and gross losses of $302,000. Proceeds from the sales of available-for-sale and held-to-maturity securities were $5.7 million for the nine months ended December 31, 2010, resulting in gross gains of $175,000 and gross losses of $56,000. At December 31, 2011, we also held a $235,000 investment in the common stock of the Federal Home Loan Bank of Atlanta.

 

Ground Rent. Our balance in ground rents decreased by $34,000 from $454,000 at March 31, 2011, to

$420,000 at December 31, 2011. This decrease resulted from the sale of $8,000 of ground rents and a $26,000 write-off of uncollectable ground rents.

 

Deposits. Total deposits decreased by $1.8 million to $137.7 million at December 31, 2011, from $139.5 million at March 31, 2011. Balances of noninterest-bearing deposits increased to $6.2 million at December 31, 2011, from $5.3 million at March 31, 2011. NOW and Money Market deposit accounts decreased by $805,000 to $7.6 million at December 31, 2011. Savings deposits decreased $637,000 from $22.5 million at March 31, 2011, to $21.9 million at December 31, 2011, and certificates of deposits decreased by $1.3 million from $103.3 million at March 31, 2011, to $102.0 million at December 31, 2011.

 

Borrowings. We had no borrowings at December 31, 2011 or March 31, 2011.

 

Results of Operations for the Three Months Ended December 31, 2011 and 2010

 

Overview. Our net income was $18,000 for the three months ended December 31, 2011, compared to net income of $2,000 for the three months ended December 31, 2010. The increase in net income for the current quarter was the result of a decrease in noninterest expense that primarily resulted from a decrease in occupancy from the move of our administrative offices and a decrease in FDIC premiums due to a change in calculation methodology. These increases to income were offset by a decrease in net interest income, a decrease in noninterest income caused by a decrease in income from the sublease of a portion of the previous administrative offices, and an increase in the provision for loan losses.

 

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Net Interest Income. Net interest income decreased by $18,000 to $942,000 for the three months ended December 31, 2011, as compared to $960,000 for the three months ended December 31, 2010, due to a decrease in the yield on earning assets, partially offset by a decrease in the cost of funds for deposits. Our interest rate spread was 2.40% for the three months ended December 31, 2011, compared to 2.42% for the three months ended December 31, 2010, and our net interest margin decreased to 2.54% for the three months ended December 31, 2011, from 2.57% for the three months ended December 31, 2010.

 

Interest on loans decreased by $73,000 for the three months ended December 31, 2011, as compared to the three months ended December 31, 2010. The average balance of loans decreased by $4.8 million to $83.4 million for the three months ended December 31, 2011, from $88.2 million for the three months ended December 31, 2010. The average yield on loans decreased from 5.59% for the three months ended December 31, 2010, to 5.57% for the three months ended December 31, 2011.

 

Interest on securities available-for-sale increased by $27,000 for the three months ended December 31, 2011, as compared to the three months ended December 31, 2010, due to an increase in average balances of $15.3 million from the investment of excess liquidity. This increase in average balances was offset by a 45 basis point decrease in the average yield. On December 31, 2010, the entire held-to-maturity investment portfolio of $1.2 million was transferred to available-for-sale and was subsequently sold in May 2011. Interest on securities held-to-maturity was $16,000 for the three months ended December 31, 2010.

 

Interest on interest-bearing deposits was $5,000 for the three months ended December 31, 2011, as compared to $14,000 for the three months ended December 31, 2010, as a result of a $10.1 million decrease in average balances and a 5 basis point decrease in the average yield.

 

Interest expense on total deposits decreased $53,000 for the three months ended December 31, 2011, from $549,000 for the three months ended December 31, 2010, to $496,000 for the three months ended December 31, 2011, due to a 14 basis point decrease in the average cost of interest-bearing deposits and a $1.7 million decrease in the average balance of interest-bearing deposits. Interest on certificates of deposits decreased $49,000 to $476,000 for the three months ended December 31, 2011, as a result of the 16 basis point decrease in average cost of time deposits and a decrease in average balances of $1.7 million. Interest on savings deposits decreased by $4,000 to $11,000 for the three months ended December 31, 2011, as compared to the three months ended December 31, 2010, due to a decrease in the interest rate of 7 basis points offset by an increase in average balances of $470,000. Interest on NOW and money market deposit accounts decreased by $1,000 for the three months ended December 31, 2011, due to a decrease in balances of $519,000.

 

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Average Balance and Yields. The following table for the three months ended December 31, 2011 and 2010, presents information regarding average balances of assets and liabilities, the total dollar amounts of interest income and dividends from average interest-earning assets, the total dollar amounts of interest expense on average interest-bearing liabilities, and the resulting average yields and costs. The yields and costs for the periods indicated are derived by dividing the annualized income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances have been calculated using daily balances. Amortization of net deferred loan fees is included in interest income on loans and is insignificant. Nonaccruing loans have been included in the table as loans carrying a zero yield. No tax-equivalent adjustments were made.

 

   Three Months Ended December 31, 
   2011   2010 
   Average
Balance
   Interest   Yield/
Cost
   Average
Balance
   Interest   Yield/
Cost
 
Assets:                              
Interest-bearing deposits  $7,914,997   $5,144    0.26%  $17,972,278   $14,185    0.31%
Investment securities available-for-sale   54,907,125    256,922    1.87%   39,625,182    230,231    2.32%
Investment securities held-to-maturity   0    0    0.00%   1,458,393    15,699    4.31%
Loans receivable, net   83,363,910    1,170,312    5.57%   88,189,793    1,242,843    5.59%
Other interest-earning assets   666,388    5,283    3.15%   712,715    6,289    3.50%
Total interest-earning assets   146,852,420    1,437,661    3.89%   147,958,361    1,509,247    4.05%
Noninterest-earning assets   6,282,204              8,065,526           
Total assets  $153,134,624             $156,023,887           
                               
Liabilities and Shareholders’ Equity:                              
Time deposits  $101,718,157    476,468    1.86%  $103,389,084    525,558    2.02%
Savings   22,208,454    11,167    0.20%   21,738,229    14,670    0.27%
NOW and money market accounts   7,849,993    8,116    0.41%   8,369,103    8,769    0.42%
Total interest-bearing deposits   131,776,604    495,751    1.49%   133,496,416    548,997    1.63%
Other interest-bearing liabilities   421,293    0    0.00%   391,361    3    0.00%
Total interest-bearing liabilities   132,197,897    495,751    1.49%   133,887,777    549,000    1.63%
Noninterest-bearing deposits   6,271,782              6,987,958           
Other noninterest-bearing liabilities   478,143              504,825           
Total liabilities   138,947,822              141,380,560           
Total shareholders’ equity   14,186,802              14,643,327           
Total liabilities and shareholders’ equity  $153,134,624             $156,023,887           
                               
Net interest income       $941,910             $960,247      
Interest rate spread             2.40%             2.42%
Net interest margin             2.54%             2.57%
Average interest-earning assets to average interest-bearing liabilities             111.09%             110.51%

 

 

·Average loan balances include nonaccrual loans.
·For presentation in this table, balances and the corresponding average rates for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts.

 

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Provision and Allowance for Loan Losses. We maintain an allowance at a level necessary to absorb management’s best estimate of probable loan losses in the portfolio. Management considers, among other factors, historical loss experience, type and amount of loans, borrower concentrations, and current conditions of the economy. In addition, the allowance considers the level of loans which management monitors as a result of inconsistent repayment patterns. Management has identified commercial real estate loans as an area for expected increased lending. Such loans carry a higher degree of credit risk than our historical single-family lending.

 

Our provision for loan losses increased $11,000 to $90,000 for the three months ended December 31, 2011, from $79,000 for the three months ended December 31, 2010. At December 31, 2011, the allowance for loan losses was $776,000, or 0.91% of the total end of period loan portfolio, compared to $636,000 or 0.73% of the total end of period loan portfolio at March 31, 2011, and $595,000, or 0.68% of the total end of period loan portfolio at December 31, 2010. We had $216,000 of 1-4 single family residential mortgage nonaccrual loans and $8,000 of consumer nonaccrual loans at December 31, 2011, compared to $9,000 of 1-4 single family residential mortgages at March 31, 2011, and $269,000 of 1-4 single family residential mortgages at December 31, 2010.

 

Management also reviews individual loans for which full collectability may not be reasonably assured and considers, among other matters, the estimated fair value of the underlying collateral. This evaluation is ongoing and results in variations in our provision for loan losses.

 

We had no loan recoveries and $74,000 charge-offs during the three months ended December 31, 2011, compared to no recoveries and $28,000 of charge-offs during the three months ended December 31, 2010.

 

Although management utilizes its best judgment in providing for losses, there can be no assurance that they will not have to increase the allowance for loan losses in subsequent periods. Management will continue to monitor the allowance for loan losses and make additional provisions to the allowance as appropriate.

 

Analysis of Loan Loss Experience. The following table sets forth an analysis of the allowance for loan losses for the periods indicated.

 

   At or for the Three 
   Months Ended December 31, 
   2011   2010 
         
Allowance for loan losses at beginning of period  $760,000   $544,500 
Provision for loan losses   90,000    78,832 
Recoveries:          
Loans secured by mortgages:          
1-4 single family residential   0    0 
Charge-offs:          
Loans secured by mortgages:          
1-4 single family residential   (60,500)   (28,232)
Commercial   (13,202)   0 
Total charge-offs   (73,702)   (28,232)
Net charge-offs   (73,702)   (28,232)
Allowance for loan losses at end of period  $776,298   $595,100 
           
Allowance for loan losses to non-performing loans   346.96%   221.08%
Allowance for loan losses to total loans outstanding at the end of the period   0.91%   0.68%
Net charge-offs to average loans outstanding during the period   0.09%   0.03%

 

At December 31, 2011, Madison had one troubled debt restructuring (TDR) in the amount of $384,000. The loan is in accrual status and in compliance with its modified terms, and therefore, not included in the nonperforming ratio above. Madison has taken a $50,000 specific reserve against the loan.

 

27
 

 

Noninterest Revenue. Noninterest revenue decreased for the three months ended December 31, 2011, to $98,000 as compared to $128,000 for the three months ended December 31, 2010. The decrease during the period was primarily due to a decrease of $18,000 in income from the sublease of a portion of the previous administrative headquarters and a decrease in gain on sale of investment securities of $8,000.

 

Noninterest Expenses. Noninterest expense decreased by $76,000 or 7.6% to $932,000 for the three months ended December 31, 2011, primarily due to a decreases in occupancy and equipment expenses, professional services, and FDIC and OCC/OTS assessments, which were partially offset by increases in salaries and employee benefits and other miscellaneous operating expenses. The company reduced its occupancy and equipment expense by $65,000, the majority of which was due to the moving of the administrative headquarters in March 2011.

 

Income Tax Expense. For the three months ended December 31, 2011 and 2010, we incurred no income tax expense. At March 31, 2011, we had a net operating loss carry-forward totaling approximately $479,000, which expires in 2030 and 2031. We also had a capital loss carry-forward of approximately $566,000, which expires in 2014. We have established a valuation allowance to reflect uncertainty as to our ability to realize our deferred tax asset. See Note 13 of the notes to consolidated financial statements for March 31, 2011, filed in our Annual Report on Form 10-K.

 

Results of Operations for the Nine Months Ended December 31, 2011 and 2010

 

Overview. Our net income was $22,000 for the nine months ended December 31, 2011, compared to a net loss of $16,000 for the nine months ended December 31, 2010. The increase in net income for the 2011 period was from an increase in net interest income and a decrease in noninterest expense primarily from a decrease in occupancy expense from the move of the administrative headquarters in March 2011, and a decrease in FDIC premium due to a change in calculation methodology. These increases to income were offset by a decrease in other income which includes a decrease in fee income from the sale of non-deposit products, a decrease in lease income from the sublease of a portion of the previous administrative headquarters, a decrease in investment security gains, and an increase in the provision for loan losses.

 

Net Interest Income. Net interest income increased by $21,000 to $2.9 million for the nine months ended December 31, 2011, as compared to the nine months ended December 31, 2010, due to a decrease in the cost of funds for deposits, partially offset by a decrease in the yield on earning assets. Our interest rate spread was 2.45% for the nine months ended December 31, 2011, compared to 2.49% for the nine months ended December 31, 2010, and our net interest margin decreased to 2.58% for the nine months ended December 31, 2011, from 2.62% for the nine months ended December 31, 2010. Both decreases in interest rate spread and net interest margin can be attributed to the decreased yield on investment securities.

 

Interest on loans decreased by $219,000 to $3.6 million for the nine months ended December 31, 2011. The average balance of loans decreased by $5.2 million to $84.1 million for the nine months ended December 31, 2011, from $89.3 million for the nine months ended December 31, 2010. The average yield on loans remained flat at 5.62% for the nine months ended December 31, 2011 and 2010.

 

Interest on securities available-for-sale increased by $121,000 for the nine months ended December 31, 2011, as compared to the nine months ended December 31, 2010, due to an increase in average balances of $18.4 million from the investment of excess liquidity. This increase in average balances was offset by a 58 basis point decrease in the average yield. On December 31, 2010, the entire held-to-maturity investment portfolio of $1.2 million was transferred to available-for-sale and was subsequently sold in May 2011. Interest on securities held-to-maturity was $63,000 for the nine months ended December 31, 2010.

 

Interest on interest-bearing deposits was $20,000 for the nine months ended December 31, 2011, as compared to $41,000 for the nine months ended December 31, 2010, as a result of an $8.4 million decrease in average balances.

 

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Interest expense on total deposits decreased $204,000 for the nine months ended December 31, 2011, from $1.7 million for the nine months ended December 31, 2010, to $1.5 million for the nine months ended December 31, 2011, due to a 19 basis point decrease in the average cost of interest-bearing deposits and a $722,000 decrease in the average balance of interest-bearing deposits. Interest on certificates of deposits decreased $191,000 to $1.5 million for the nine months ended December 31, 2011, as a result of a 24 basis point decrease in average cost of deposits and a decrease in average balances of $453,000. Interest on savings deposits decreased $6,000 to $37,000 for the nine months ended December 31, 2011, as compared to the nine months ended December 31, 2010, due to a 4 basis point decrease in the average cost of deposits offset by a $211,000 increase in average balances. Interest on NOW and money market deposit accounts decreased by $6,000 to $25,000 for the nine months ended December 31, 2011, due to a 7 basis point decrease in the average cost of the deposits and a decrease in average balances of $480,000.

 

29
 

 

Average Balance and Yields. The following table for the nine months ended December 31, 2011 and 2010, presents information regarding average balances of assets and liabilities, the total dollar amounts of interest income and dividends from average interest-earning assets, the total dollar amounts of interest expense on average interest-bearing liabilities, and the resulting average yields and costs. The yields and costs for the periods indicated are derived by dividing the annualized income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances have been calculated using daily balances. Amortization of net deferred loan fees is included in interest income on loans and is insignificant. Nonaccruing loans have been included in the table as loans carrying a zero yield. No tax-equivalent adjustments were made.

 

   Nine Months Ended December 31, 
   2011   2010 
   Average
Balance
   Interest   Yield/
Cost
   Average
Balance
   Interest   Yield/
Cost
 
Assets:                              
Interest-bearing deposits  $9,191,403   $19,760    0.29%  $17,623,415   $41,306    0.31%
Investment securities available-for-sale   53,078,872    786,727    1.98%   34,671,865    665,370    2.56%
Investment securities held-to-maturity   0    0    0.00%   1,802,920    63,334    4.68%
Loans receivable, net   84,039,935    3,561,320    5.62%   89,271,062    3,780,677    5.62%
Other interest-earning assets   679,782    21,050    4.11%   716,805    21,255    3.94%
Total interest-earning assets   146,989,992    4,388,857    3.97%   144,086,067    4,571,942    4.21%
Noninterest-earning assets   6,638,261              7,104,875           
Total assets  $153,628,253             $151,190,942           
                               
Liabilities and Shareholders’ Equity:                              
Time deposits  $102,398,245    1,467,424    1.90%  $102,851,672    1,658,317    2.14%
Savings   22,412,257    36,526    0.22%   22,200,878    43,301    0.26%
NOW and money market accounts   8,079,981    25,303    0.42%   8,560,332    31,449    0.49%
Total interest-bearing deposits   132,890,483    1,529,253    1.53%   133,612,882    1,733,067    1.72%
Other interest-bearing liabilities   478,815    0    0.00%   473,608    42    0.01%
Total interest-bearing liabilities   133,369,298    1,529,253    1.52%   134,086,490    1,733,109    1.72%
Noninterest-bearing deposits   5,951,875              5,982,406           
Other noninterest-bearing liabilities   450,027              456,261           
Total liabilities   139,771,200              140,525,157           
Total shareholders’ equity   13,857,053              10,665,785           
Total liabilities and shareholders’ equity  $153,628,253             $151,190,942           
                               
Net interest income       $2,859,604             $2,838,833      
Interest rate spread             2.45%             2.49%
Net interest margin             2.58%             2.62%
Average interest-earning assets to average                              
interest-bearing liabilities             110.21%             107.46%

 

 

·Average loan balances include nonaccrual loans.
·For presentation in this table, balances and the corresponding average rates for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts.

 

30
 

 

Provision and Allowance for Loan Losses. We maintain an allowance at a level necessary to absorb management’s best estimate of probable loan losses in the portfolio. Management considers, among other factors, historical loss experience, type and amount of loans, borrower concentrations, and current conditions of the economy. In addition, the allowance considers the level of loans which management monitors as a result of inconsistent repayment patterns. Management has identified commercial real estate loans as an area for expected increased lending. Such loans carry a higher degree of credit risk than our historical single-family lending.

 

Our provision for loan losses increased $20,000 to $211,000 for the nine months ended December 31, 2011, from $191,000 for the nine months ended December 31, 2010. At December 31, 2011, the allowance for loan losses was $776,000, or 0.91% of the total end of period loan portfolio, compared to $636,000, or 0.73% of the total end of period loan portfolio at March 31, 2011, and $595,000, or 0.68% of the total end of period loan portfolio at December 31, 2010. We had $216,000 of 1-4 single family residential mortgage nonaccrual loans and $8,000 of consumer nonaccrual loans at December 31, 2011, compared to $9,000 of 1-4 single family residential mortgages at March 31, 2011, and $269,000 of 1-4 single family residential mortgages at December 31, 2010. There was one loan transferred to other real estate owned (OREO) in the nine months ended December 31, 2010, in the amount of $434,000 after a charge-off of $174,000. This OREO property was sold in September 2011, at a loss of $10,000 after a write down of $10,000 in the quarter ended June 30, 2011. Net proceeds from the OREO sale were $414,000.

 

Management also reviews individual loans for which full collectability may not be reasonably assured and considers, among other matters, the estimated fair value of the underlying collateral. This evaluation is ongoing and results in variations in our provision for loan losses.

 

We had loan recoveries of $3,000 and $74,000 of charge-offs during the nine months ended December 31, 2011, compared to $2,000 of recoveries and $202,000 of charge-offs during the nine months ended December 31, 2010.

 

Although management utilizes its best judgment in providing for losses, there can be no assurance that they will not have to increase the allowance for loan losses in subsequent periods. Management will continue to monitor the allowance for loan losses and make additional provisions to the allowance as appropriate.

 

Analysis of Loan Loss Experience. The following table sets forth an analysis of the allowance for loan losses for the periods indicated.

 

   At or for the Nine 
   Months Ended December 31, 
   2011   2010 
         
Allowance for loan losses at beginning of period  $635,535   $605,000 
Provision for loan losses   211,099    190,507 
Recoveries:          
Loans secured by mortgages:          
1-4 single family residential   3,366    1,641 
Charge-offs:          
Loans secured by mortgages:          
1-4 single family residential   (60,500)   (28,233)
Construction   0    (173,815)
Commercial   (13,202)   0 
Total charge-offs   (73,702)   (202,048)
Net charge-offs   (70,336)   (200,407)
Allowance for loan losses at end of period  $776,298   $595,100 
           
Allowance for loan losses to non-performing loans   346.96%   221.08%
Allowance for loan losses to total loans outstanding at the end of the period   0.91%   0.68%
Net charge-offs to average loans outstanding during the period   0.08%   0.22%

 

31
 

 

At December 31, 2011, Madison had one troubled debt restructuring (TDR) in the amount of $384,000. The loan is in accrual status and in compliance with its modified terms, and therefore, not included in the nonperforming ratio above. Madison has taken a $50,000 specific reserve against the loan.

 

Noninterest Revenue. Noninterest revenue decreased for the nine months ended December 31, 2011, to $225,000 as compared to $336,000 for the nine months ended December 31, 2010. The decrease during the period was due to the decrease in gain on sale of investment securities of $26,000 and a decrease in other income of $84,000, which includes a decrease in fee income from the sale of non-deposit products of $26,000 and a $67,000 decrease in income from the sublease of a portion of the previous administrative headquarters.

 

Noninterest Expenses. Noninterest expense decreased by $148,000, or 4.92% to $2.9 million for the nine months ended December 31, 2011, primarily due to decreases in occupancy and equipment expenses of $160,000 and FDIC and OCC/OTS assessments of $148,000 which were partially offset by increases in salaries and employee benefits of $109,000, professional services of $10,000, and other miscellaneous operating expenses of $41,000. The majority of the Company’s reduction in occupancy and equipment expense was due to the moving of the administrative headquarters in March 2011. The reduction in FDIC assessments was the result of a change in assessment calculation methodology. Included in other operating expense in the current period was a $10,000 write-down of the carrying value of the OREO property.

 

Income Tax Expense. For the nine months ended December 31, 2011 and 2010, we incurred no income tax expense. At March 31, 2011, we had a net operating loss carry-forward totaling approximately $479,000, which expires in 2030 and 2031. We also had a capital loss carry-forward of approximately $566,000, which expires in 2014. We have established a valuation allowance to reflect uncertainty as to our ability to realize our deferred tax asset. See Note 13 of the notes to consolidated financial statements for March 31, 2011, filed in our Annual Report on Form 10-K.

 

Liquidity and Capital Resources

 

Liquidity is the ability to meet current and future financial obligations of a short-term nature. Our primary sources of funds available to meet short-term liquidity needs consist of deposit inflows, loan repayments, and maturities and sales of investment securities. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions, and competition. We regularly adjust our investments in liquid assets available to meet short-term liquidity needs based upon our assessment of (i) expected loan demand, (ii) expected deposit flows, (iii) yields available on interest-earning deposits and securities, and (iv) the objectives of our asset/liability management policy. We do not have long-term debt or other financial obligations that would create long-term liquidity concerns.

 

Our most liquid assets are cash and cash equivalents and interest-bearing deposits. The level of these assets depends on our operating, financing, lending, and investing activities during any given period. At December 31, 2011, cash and cash equivalents totaled $6.2 million. Securities classified as available-for-sale amounted to $55.5 million. The interest-bearing deposits in banks of $736,000 at December 31, 2011, provide additional sources of liquidity. Our liquidity has increased as customers have sought the safety of FDIC insured deposits. In addition, at December 31, 2011, the Bank had the ability to borrow a total of approximately $30.5 million from the Federal Home Loan Bank of Atlanta, and the Bank has a $4.1 million line of credit with a large financial institution. At December 31, 2011, we had no Federal Home Loan Bank advances outstanding or borrowings on the line of credit.

 

At December 31, 2011, we had $7.6 million in commitments to extend credit outstanding. Certificates of deposit due within one year of December 31, 2011, totaled $61.8 million, or 60.6% of certificates of deposit. We believe the large percentage of certificates of deposit that mature within one year reflects customers’ hesitancy to invest their funds for longer periods due to the recent low interest rate environment and local competitive pressures. If these maturing deposits do not remain with us, we will be required to seek other sources of funds, including other certificates of deposit and borrowings. Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we currently pay on the certificates of deposit due on or before December 31, 2012. We believe, however, based on past experience that a significant portion of our certificates of deposit will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.

 

32
 

 

Item 3. Quantitative and Qualitative Disclosure About Market Risk

 

Not applicable as the Company is a smaller reporting company.

 

Item 4. Controls and Procedures

 

(a)Disclosure Controls and Procedures

  

The Company’s management, including the Company’s principal executive officer and principal financial officer, have evaluated the effectiveness of the Company’s “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended, (the “Exchange Act”). Based upon their evaluation, the principal executive officer and principal financial officer concluded that, as of the end of the period covered by this report, the Company’s disclosure controls and procedures were effective for the purpose of ensuring that the information required to be disclosed in the reports that the Company files or submits under the Exchange Act with the Securities and Exchange Commission (the “SEC”) (1) is recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms, and (2) is accumulated and communicated to the Company’s management, including its principal executive and principal financial officers, as appropriate to allow timely decisions regarding required disclosure.

 

(b)Changes to Internal Control Over Financial Reporting

 

There were no changes in the Company’s internal control over financial reporting during the three months ended December 31, 2011, that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

Part II – Other Information

 

Item 1. Legal Proceedings

 

The Company is not involved in any pending legal proceedings other than routine legal proceedings in the ordinary course of business. We are not a party to any pending legal proceeding that we believe would have a material adverse effect on our financial condition, results of operations, or cash flows.

 

Item 1A. Risk Factors

 

There have been no material changes in the risk factors disclosed in our Annual Report on Form 10-K for the fiscal year ended March 31, 2011.

 

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

 

None

 

Item 3. Defaults Upon Senior Securities

 

None

 

Item 4. Mine Safety Disclosures

 

N/A

 

Item 5. Other Information

 

None

 

33
 

 

Item 6. Exhibits

 

3.1Articles of Incorporation of Madison Bancorp, Inc. (1)
3.2Bylaws of Madison Bancorp, Inc. (2)
4.0Form of Common Stock Certificate of Madison Bancorp, Inc. (3)
10.0Madison Bancorp Inc. 2011 Equity Incentive Plan (4)
31.1 Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer and Chief Financial Officer
32.0Section 1350 Certifications
101.0*The following materials from the Company’s Quarterly Report on form 10-Q for the quarter ended December 31, 2011, formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated statements of Financial Condition; (ii) Consolidated Statements of Operations; (iii) Consolidated Statements of Changes in shareholders’ Equity; (iv) Consolidated Statements of Cash Flows; and (v) the Notes to the Consolidated Financial Statements, tagged as blocks of text

 

 

*Furnished, not filed.
(1) Incorporated herein by reference to exhibit 3.1 to the Company’s Registration Statement on Form S-1 (File No. 333-167455), as amended, initially filed with the Securities and Exchange Commission on June 11, 2010.
(2)Incorporated herein by reference to exhibit 3.2 to the Company’s Registration Statement on Form S-1 (File No. 333-167455), as amended, initially filed with the Securities and Exchange Commission on June 11, 2010.
(3)Incorporated herein by reference to exhibit 4.0 to the Company’s Registration Statement on Form S-1 (File No. 333-167455), as amended, initially filed with the Securities and Exchange Commission on June 11, 2010.
(4)Incorporated herein by reference to appendix D to the Company’s Definitive Proxy Materials for its 2011 Annual Meeting of Stockholders’ filed with the Securities and Exchange Commission on October 11, 2011.

 

34
 

 

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.

 

    MADISON BANCORP, INC.
     
Dated: February 8, 2012  By: /s/ Michael P. Gavin
    Michael P. Gavin
    President, Chief Executive Officer and Chief
    Financial Officer
    (duly authorized officer & principal financial
    officer)

 

35

 

EX-31.1 2 v301645_ex31-1.htm EXHIBIT 31.1

Exhibit 31.1

CERTIFICATION

 

I, Michael P. Gavin, certify that:

 

1.I have reviewed this Quarterly Report on Form 10-Q of Madison Bancorp, Inc.;

 

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 in 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.

 

Dated: February 8, 2012

 

  /s/ Michael P. Gavin
  Michael P. Gavin
  President, Chief Executive Officer and
  Chief Financial Officer
  (principal executive officer & principal
  financial officer)

 

 

EX-32 3 v301645_ex32.htm EXHIBIT 32

 

Exhibit 32.0

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report on Form 10-Q of Madison Bancorp, Inc. (the “Company”) for the three months ended December 31, 2011, as filed with the Securities and Exchange Commission (the “Report”), I hereby 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, as amended; and

 

2.The information contained in the Report fairly presents, in all material respects, the consolidated financial condition and results of operations of the Company as of and for the period covered by the Report.

 

  By: /s/ Michael P. Gavin
  Michael P. Gavin
  President, Chief Executive Officer and Chief
  Financial Officer
  (principal executive officer & principal financial
  officer)

 

Dated: February 8, 2012

 

 

 

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Borrowings</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> At December 31, 2011, the Bank had the ability to borrow a total of approximately $30.5 million from the Federal Home Loan Bank of Atlanta, and the Bank has a $4.1 million line of credit with a large financial institution. The FHLB borrowing requires us to pledge mortgage loans as collateral, and the line of credit requires us to pledge brokered CD&#x2019;s or US Government Agency securities. At December 31, 2011, we had no Federal Home Loan Bank advances outstanding or borrowings on the line of credit. The rates on both borrowing lines will be determined at the time of an advance.</p> </div> 679658 494604 <div> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Note 2. 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FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">2010</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">2010</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> &#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> &#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> &#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> &#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="WIDTH: 52%">Net income (loss)</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 18,020</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">1,561</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 21,504</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">(15,767</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">)</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Average common shares outstanding</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">568,424</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">565,581</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">568,399</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">565,581</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Earnings per common share</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">0.03</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">0.00</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">0.04</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">(0.03</td> <td style="TEXT-ALIGN: left">)</td> </tr> </table> </div> 14037695 664551 -9778 129463 21504 0.04 873739 37923293 36526 1467424 473100 1529253 -1609244 0 19760 11512 21504 <div> <p style="TEXT-ALIGN: justify; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Note 4. Loans Receivable</b></p> <p style="TEXT-ALIGN: justify; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> Loans receivable consist of the following at December 31, 2011 and March&#xA0;31, 2011:</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 92%; FONT: 10pt Times New Roman, Times, Serif; MARGIN-LEFT: 0.5in" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Loans secured by mortgages:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in">Residential:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.25in; WIDTH: 76%">1-4 Single family</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 52,526,958</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">57,608,257</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.25in">Multifamily</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">1,612,603</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,667,385</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.25in">Lines of credit</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">2,049,572</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,756,463</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in">Commercial</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">15,848,117</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">12,154,376</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in">Land</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">6,686,979</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">5,566,059</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 0.15in"> Construction</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 1,567,758</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,175,906</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">80,291,987</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">80,928,446</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Consumer</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">611,975</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">828,925</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt">Commercial</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 4,136,809</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,962,980</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Total loans receivable</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">85,040,771</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">86,720,351</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Net deferred costs</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">83,904</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">93,682</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt">Allowance for loan losses</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> (776,298</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (635,535</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 0.15in">Loans receivable, net</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 84,348,377</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 86,178,498</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The following presents by class and by credit quality indicator, the recorded investment in the Company&#x2019;s loans as of December 31, 2011 and March 31, 2011.</p> <p style="TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 80%; FONT: 10pt Times New Roman, Times, Serif; MARGIN-LEFT: 0.25in" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold"> Commercial&#xA0;Credit&#xA0;Exposure</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">Commercial,&#xA0;<br /> Not&#xA0;Real&#xA0;Estate&#xA0;Secured</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">Commercial&#xA0;Real&#xA0;Estate</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Grade:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt; WIDTH: 40%">Pass</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 12%">4,101,434</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 12%">4,247,846</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 12%">13,584,401</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 12%">10,926,093</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Special Mention</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">35,375</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">715,134</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">2,263,716</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,228,283</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Substandard</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Doubtful</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 9pt">Loss</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 9pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 4,136,809</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 4,962,980</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 15,848,117</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 12,154,376</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 97%; FONT: 10pt Times New Roman, Times, Serif; MARGIN-LEFT: 0.25in" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold"> Other&#xA0;Credit&#xA0;Exposure</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">Construction,&#xA0;Land,&#xA0;and<br /> Land&#xA0;Development</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">Residential&#xA0;Real&#xA0;Estate<br /> Other&#xA0;(1)</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">Consumer</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Grade:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt; WIDTH: 28%">Pass</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">6,853,603</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">6,903,681</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">54,945,956</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">59,969,972</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">603,874</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">828,925</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Special Mention</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,168,032</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">603,782</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">643,912</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">967,829</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Substandard</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">233,102</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">234,502</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">599,265</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">94,304</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">8,101</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Doubtful</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 9pt">Loss</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 9pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 8,254,737</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 7,741,965</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 56,189,133</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 61,032,105</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 611,975</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 828,925</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 9pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left; 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VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt"><font style="FONT-SIZE: 8pt">Commercial</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">386,307</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">386,307</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">15,461,810</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">15,848,117</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); 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TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">1,567,758</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">1,567,758</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">1,861,949</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">748,914</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">215,639</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">2,826,502</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">77,465,485</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">80,291,987</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td><font style="FONT-SIZE: 8pt">Consumer</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">6,442</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">8,101</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">14,543</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">597,432</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">611,975</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); 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TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">35,375</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">4,101,434</font></td> <td style="TEXT-ALIGN: left; 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VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.25in"><font style="FONT-SIZE: 8pt">Multifamily</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">1,667,385</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">1,667,385</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.25in"><font style="FONT-SIZE: 8pt">Lines of credit</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">1,756,463</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">1,756,463</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; 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TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">2,175,906</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">2,175,906</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">1,101,504</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">9,137</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">1,110,641</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">79,817,805</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">80,928,446</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; 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TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">4,962,980</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">4,962,980</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">1,102,395</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">6,535</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">9,137</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">1,118,067</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">85,602,284</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 8pt">86,720,351</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> </table> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <font style="FONT-SIZE: 8pt">&#xA0;</font></p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> There are no loans that are 90 days or more past due that are in accrual status at either December 31, 2011 or March 31, 2011.</p> <p style="TEXT-INDENT: 0.5in; 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VERTICAL-ALIGN: bottom"> <td>Nonaccrual loans:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt; WIDTH: 76%">Residential 1-4 Single family</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 215,639</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">9,137</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 9pt">Consumer</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 8,101</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 0.25in">Total nonaccrual loans</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 223,740</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 9,137</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Allowance for loan losses as a percentage of nonaccrual loans</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">346.96</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">%</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">6,955.62</td> <td style="TEXT-ALIGN: left">%</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Foregone interest on nonaccrual loans</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">7,709</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">610</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> </table> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;&#xA0;&#xA0;</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> </p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Troubled Debt Restructurings as of December 31, 2011 and March 31, 2011</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> </p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; 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WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 383,626</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">0</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> </table> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> This one troubled debt restructuring (TDR) is in accrual status and is in compliance with its modified terms. The Bank modified the interest rate by decreasing it by 1.875% which reduced their monthly payment and we deferred the modification fee until the end of the loan. The Bank has taken a $50,000 specific reserve against the loan, and it is included with impaired loans.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Impaired Loans as of and for the Nine Months Ended December 31, 2011</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Unpaid&#xA0;Principal<br /> Balance</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Related<br /> Allowance</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Average&#xA0;Unpaid<br /> Principal&#xA0;&#xA0;Balance</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Interest&#xA0;Income<br /> Recognized</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Impaired loans without a related reserve:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Loans secured by mortgages:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Residential:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt; WIDTH: 52%">1-4 Single family</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">209,093</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; 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VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Lines of credit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Commercial</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Land</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt"> Construction</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">209,093</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">267,299</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">420</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Consumer</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">8,101</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">9,176</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">330</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 11.5pt"> Commercial</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Total impaired loans without a related reserve</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">217,194</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">276,475</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">750</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Impaired loans with a related reserve:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Loans secured by mortgages:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Residential:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">1-4 Single family</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">390,172</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">53,820</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">393,017</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">15,510</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Multifamily</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Lines of credit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Commercial</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Land</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">233,102</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">71,833</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">233,947</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">8,184</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt"> Construction</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">623,274</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">125,653</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">626,964</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">23,694</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Consumer</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 11.5pt"> Commercial</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt">Total impaired loans with a related reserve</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 623,274</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 125,653</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 626,964</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 23,694</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Total impaired loans:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Loans secured by mortgages:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Residential:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">1-4 Single family</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">599,265</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">53,820</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">660,316</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">15,930</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Multifamily</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Lines of credit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Commercial</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Land</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">233,102</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">71,833</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">233,947</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">8,184</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt"> Construction</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">832,367</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">125,653</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">894,263</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">24,114</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Consumer</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">8,101</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">9,176</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">330</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 11.5pt"> Commercial</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 23.05pt">Total impaired loans</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 840,468</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 125,653</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 903,439</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 24,444</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The construction portion of the construction loan that was previously reported as impaired was sold, and the remaining portion of the project is secured by land only and is therefore reported in the land section of the impaired loan table for the nine months ended December 31, 2011.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> </p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Impaired Loans as of and for the Year Ended March 31, 2011</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Unpaid&#xA0;Principal<br /> Balance</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Related<br /> Allowance</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Average&#xA0;Unpaid<br /> Principal&#xA0;&#xA0;Balance</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Interest&#xA0;Income<br /> Recognized</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Impaired loans without a related reserve:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Loans secured by mortgages:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Residential:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt; WIDTH: 52%">1-4 Single family</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">94,304</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">0</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">99,211</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">4,502</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Multifamily</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Lines of credit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Commercial</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Land</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt"> Construction</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">94,304</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">99,211</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,502</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Consumer</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 11.5pt"> Commercial</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Total impaired loans without a related reserve</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">94,304</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">99,211</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,502</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Impaired loans with a related reserve:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Loans secured by mortgages:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Residential:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">1-4 Single family</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Multifamily</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Lines of credit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Commercial</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Land</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt"> Construction</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 234,502</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 71,845</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 585,731</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 26,500</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">234,502</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">71,845</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">585,731</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">26,500</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Consumer</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 11.5pt"> Commercial</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt">Total impaired loans with a related reserve</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 234,502</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 71,845</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 585,731</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 26,500</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Total impaired loans:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Loans secured by mortgages:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Residential:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">1-4 Single family</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">94,304</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">99,211</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,502</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Multifamily</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 34.55pt">Lines of credit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Commercial</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 23.05pt">Land</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt"> Construction</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 234,502</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 71,845</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 585,731</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 26,500</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">328,806</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">71,845</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">684,942</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">31,002</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Consumer</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 11.5pt"> Commercial</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 23.05pt">Total impaired loans</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 328,806</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 71,845</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 684,942</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 31,002</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> We occasionally modify loans to extend the term to help borrowers stay current on their loan and to avoid foreclosure in those instances in which we believe the borrower will be able to repay the loan under the modified terms. At December 31, 2011, we had six 1-4 single family mortgage loans totaling approximately $1.1 million for which we modified the terms either by increasing the payments to allow the customer to become current or deferring payments to the end of the term in the form of a balloon payment. We did not forgive any principal or interest or modify the interest rates on the loans. Three of these six modified loans with a balance of $553,000 were in compliance with their modified terms at December 31, 2011. One loan with a balance of $201,000 is 30 days past due and one loan with a balance of $184,000 is 60 days past due. One loan with a balance of $185,000 is not in compliance with its modified terms and is in nonaccrual status. This loan is considered impaired, and we have charged off $53,000 in the current quarter. At December 31, 2011, we had one loan with a balance of $384,000 that is considered a trouble debt restructuring, and we have taken a specific reserve of $50,000. At March 31, 2011, we did not have any loans that were considered troubled debt restructurings.</p> </div> 19948 132847 26000 92465 92465 158024 -8000 21050 21716249 0 29750 -1847034 -308174 781274 106161 414052 0.04 170134 36473 1525009 2648505 9328 0 344647 3561320 0 -1964046 -149489 <div> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Note 1. Activities and Summary of Significant Accounting Policies</b></p> <p style="TEXT-ALIGN: justify; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> Madison Bancorp, Inc. (Company) was incorporated on May 20, 2010, to be the holding company for Madison Square Federal Savings Bank (Bank) in conjunction with the Bank&#x2019;s plan of conversion from the mutual to stock form of ownership. On October 6, 2010, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a mutual savings bank to a stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 608,116 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of $5,340,068, net of offering expenses of $741,092. In connection with the conversion, the Bank&#x2019;s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 7% of the number of shares sold in the offering, or 42,568 shares of common stock. Accordingly, the reported results for the period since the conversion date relate to the consolidated holding company and the reported results for periods prior to the conversion date related to the results for the bank and its subsidiary. All material intercompany accounts and transaction have been eliminated in consolidation.</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> In accordance with applicable regulations governing the conversion, upon the completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder&#x2019;s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> Madison Square Federal Savings Bank was incorporated in 1870 under the laws of the State of Maryland. The Bank is a federally chartered savings bank engaged in banking and related services primarily in the Baltimore Metropolitan area.</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Summary of Significant Accounting Policies</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The foregoing consolidated financial statements are unaudited; however, in the opinion of management, we have included all adjustments (comprising only normal recurring accruals) necessary for a fair presentation of the results of the interim period. We derived the balances as of March 31, 2011, from audited financial statements. These statements should be read in conjunction with Madison Bancorp&#x2019;s financial statements and accompanying notes included in Madison Bancorp&#x2019;s Form 10-K for the year ended March 31, 2011. We have made no significant changes to Madison Bancorp&#x2019;s accounting policies as disclosed in the Form 10-K.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The accounting and reporting policies of Madison Bancorp, Inc. and Subsidiaries (collectively &#x201C;Madison&#x201D;) conform to accounting principles generally accepted in the United States of America (&#x201C;U.S. GAAP&#x201D;) and to general practices in the banking industry. The more significant policies follow:</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b><i>Principles of Consolidation</i>.</b> The accompanying consolidated financial statements include the accounts of the parent company and its wholly owned subsidiary, Madison Square Federal Savings Bank and its wholly owned subsidiary, Madison Financial Services Corporation (MFSC). MFSC is engaged in the business of insurance and brokerage services primarily in the Baltimore area. All significant intercompany balances and transactions have been eliminated in consolidation.</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b><i>Reclassifications.</i></b> Certain prior year amounts have been reclassified to conform to current period classifications. The reclassifications had no effect on net loss or the net change in cash and cash equivalents and are not material to previously issued financial statements.</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;&#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b><i>Use of Estimates.</i></b> The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and the accompanying notes. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income tax valuation allowances, the fair value of investment securities, and other than temporary impairment of investment securities.</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b><i>Subsequent Events</i>.</b> We evaluated subsequent events after December 31, 2011 through February 8, 2012, the date this report was available to be issued. No significant subsequent events were identified which would affect the presentation of the financial statements.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b><i>Recently Adopted Accounting Guidance</i></b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <font style="COLOR: black">In June 2011, the FASB issued ASU No. 2011-05, &#x201C;Comprehensive Income (Topic 220)-Presentation of Comprehensive Income&#x201D; which amended disclosure guidance related to comprehensive income. The amendment requires that all nonowner changes in shareholders&#x2019; equity be presented in either a single continuous statement of comprehensive income or in two separate but consecutive statements. The amendment also requires entities to present, on the face of the financial statements, reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement or statements where components of net income and the components of other comprehensive income are presented. The option to present components of other comprehensive income as part of the consolidated statement of changes in shareholders&#x2019; equity was eliminated. The amendments in this update are effective for fiscal years and interim periods within those years beginning after December 15, 2011.</font> Adoption of this guidance has not had a material impact on our consolidated results of operations or financial condition. Portions of the implementation of this guidance have been deferred by ASU 2011-12. The portions that have been deferred are not expected to have a material impact on our consolidated results of operations or financial condition.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> In May 2011, the FASB issued ASU 2011-04, &#x201C;Fair Value Measurement (Topic 820) - Amendments to Achieve Common Fair Value Measurements and Disclosure Requirements in U.S. GAAP and IFRSs.&#x201D; ASU 2011-04 amends Topic 820, &#x201C;Fair Value Measurements and Disclosures,&#x201D; to converge the fair value measurement guidance in U.S. generally accepted accounting principles and International Financial Reporting Standards. ASU 2011-04 clarifies the application of existing fair value measurement requirements, changes certain principles in Topic 820, and requires additional fair value disclosures. This guidance is effective for annual periods beginning after December 15, 2011, and is not expected to have a material impact on our consolidated results of operations or financial condition.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <font style="COLOR: black">In April 2011, the FASB issued ASU No. 2011-02, &#x201C;Receivables (Topic 310)-A Creditor&#x2019;s Determination of Whether a Restructuring Is a Troubled Debt Restructuring&#x201D;, which amended accounting and disclosure guidance relating to a creditor&#x2019;s determination of whether a restructuring is a troubled debt restructuring. The amendments clarify the guidance on a creditor&#x2019;s evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. The amendments are effective for the first interim or annual period beginning on or after June 15, 2011, and should be applied retrospectively to the beginning of the annual period of adoption. As a result of the application of the amendments, receivables previously measured under loss contingency guidance that are newly considered impaired should be disclosed, along with the related allowance for credit losses, as of the end of the period of adoption. For purposes of measuring impairment of those receivables, an entity should apply the amendments prospectively for the first interim or annual period beginning on or after June 15, 2011. The deferred credit risk disclosure guidance issued in July 2010 relating to troubled debt restructurings will now be effective for interim and annual periods beginning on or after June 15, 2011.</font> Adoption of this guidance has not had a material impact on our consolidated results of operations or financial condition.</p> </div> 0 <div> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Note 9. Regulatory Capital Ratios for Madison Square Federal Savings Bank</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6"> <font style="FONT-SIZE: 8pt">Minimum</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6"> <font style="FONT-SIZE: 8pt">To&#xA0;Be&#xA0;Well</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6"><font style="FONT-SIZE: 8pt">Actual</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6"><font style="FONT-SIZE: 8pt">Requirements</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6"><font style="FONT-SIZE: 8pt">Capitalized</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">(dollars&#xA0;in&#xA0;thousands)</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"><font style="FONT-SIZE: 8pt">Amount</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"><font style="FONT-SIZE: 8pt">%</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"><font style="FONT-SIZE: 8pt">Amount</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"><font style="FONT-SIZE: 8pt">%</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"><font style="FONT-SIZE: 8pt">Amount</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"><font style="FONT-SIZE: 8pt">%</font></td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); 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WIDTH: 1%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 6%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">6,144</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="WIDTH: 1%; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right; WIDTH: 6%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">8.0</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">%</font></td> <td style="WIDTH: 1%; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 6%; FONT-WEIGHT: bold"> <font style="FONT-SIZE: 8pt">7,380</font></td> <td style="TEXT-ALIGN: left; 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FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">4.0</font></td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">7,585</font></td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">5.0</font></td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); 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VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: justify; FONT-WEIGHT: bold"><font style="FONT-SIZE: 8pt">As of March 31, 2011:</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 8pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); 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FONT: 10pt Times New Roman, Times, Serif"> <b>Note 8. Fair Value Measurements</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> Accounting guidance defines fair value to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. 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TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Level&#xA0;2</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Level&#xA0;3</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Total</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Investment securities available-for-sale:</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt; WIDTH: 52%">U.S. Government agencies</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">1,599,925</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; 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TEXT-ALIGN: right"> 3,105,002</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,946,663</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 8,051,665</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 18,483,954</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 37,051,412</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 55,535,366</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="14">March&#xA0;31,&#xA0;2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Level&#xA0;1</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Level&#xA0;2</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Level&#xA0;3</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Total</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Investment securities available-for-sale:</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt; WIDTH: 52%">U.S. Government agencies</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">3,601,607</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">6,553,700</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">0</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">10,155,307</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Brokered certificates of deposit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,776,597</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,776,597</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Mortgage-backed securities (Agency)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,367,178</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">31,646,558</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">2,726</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">33,016,462</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt"> Collateralized mortgage obligations (Agency)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">785,161</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">3,182,752</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">518,613</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,486,526</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt"> Collateralized mortgage obligations (Nonagency)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 190,077</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 190,077</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 10,530,543</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 41,573,087</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 521,339</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 52,624,969</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The following table represents a roll-forward of the amounts for the nine months ended December 31, 2011 and the year ended March 31, 2011, for financial instruments classified by Madison within Level 3 of the valuation hierarchy.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 92%; FONT: 10pt Times New Roman, Times, Serif; MARGIN-LEFT: 0.5in" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">For&#xA0;the&#xA0;Nine<br /> Months&#xA0;Ended<br /> December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">For&#xA0;the&#xA0;Year<br /> Ended<br /> March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> &#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="WIDTH: 76%">Balance at beginning of the period</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 521,339</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">3,623</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Total realized and unrealized gains and losses:</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.25in">Included in net income</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">0</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.25in">Included in other comprehensive income</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">0</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Purchases</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">0</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">529,984</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Sales</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">(2,246</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 9pt">Paydowns</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">(480</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">(12,268</td> <td style="TEXT-ALIGN: left">)</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 9pt">Transfers in and/or out of Level 3</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> (518,613</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 9pt">Balance at the end of the period</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 521,339</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;&#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The one security included in the table above as transferred out of Level 3 was newly issued for the quarter ended March 31, 2011 and was therefore not valued yet by the third party valuation service. The security was seasoned enough for the third party valuation service to provide a fair value for the quarter ended September 30, 2011, and was transferred out of Level 3.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The Bank measures its other real estate owned on a nonrecurring basis at fair value less cost to sell. Cost to sell the real estate was based on standard market factors. The Bank has categorized its foreclosed real estate as Level 3. During the second quarter, Madison sold the one property that they had in other real estate owned.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The bank measures its impaired assets on a nonrecurring basis at fair value and has categorized them at Level 3. The Bank does not measure the fair value of its other financial assets or liabilities on a recurring or nonrecurring basis.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The estimated fair values of financial instruments are as follows:</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">December&#xA0;31,&#xA0;2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">March&#xA0;31,&#xA0;2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> (dollars&#xA0;in&#xA0;thousands)</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Carrying<br /> Amount</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Carrying<br /> Amount</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Assets:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in; WIDTH: 52%">Cash and cash equivalents</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 6,219</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 6,219</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">8,183</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">8,183</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in">Certificates of deposit</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">736</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">736</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">483</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">483</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in">Investment securities</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">55,535</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">55,535</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">52,625</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">52,625</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in">Loans, net</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">84,348</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">84,450</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">86,178</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">86,250</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; TEXT-INDENT: -12.6pt; PADDING-LEFT: 0.3in"> Ground rents, net</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 420</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 290</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 454</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 313</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 0.3in">Total financial assets</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 147,258</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 147,230</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 147,923</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 147,854</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">December&#xA0;31,&#xA0;2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">March&#xA0;31,&#xA0;2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Carrying<br /> Amount</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Carrying<br /> Amount</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Liabilities:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.15in; WIDTH: 52%">Deposits</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 137,671</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 139,042</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">139,518</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">141,281</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; TEXT-INDENT: -0.15in; PADDING-LEFT: 0.3in"> Advances from borrowers for taxes and insurance</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 250</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 250</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 558</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 558</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 0.45in">Total financial liabilities</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 137,921</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 139,292</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 140,076</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 141,839</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The following methods and assumptions were used to estimate the fair value disclosures for financial instruments as of December 31, 2011 and March 31, 2011:</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <u>Cash and cash equivalents</u>: The amounts reported at carrying amount approximate the fair value of these assets.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <u>Certificates of deposit</u>: The amounts reported at carrying amount approximate the fair value of these assets.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <u>Investment securities</u>: The fair values are based on the quoted market values or values of securities with similar rates and terms. The fair values are provided to the Bank by a third party.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <u>Loans, net:</u> We estimate the fair value of loans by discounting future cash flows using current rates for which we would make similar loans to borrowers with similar credit histories.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;&#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <u>Ground rents, net:</u> The fair values are based on limited information regarding recent sales of similar assets.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <u>Deposits:</u> The fair value of demand deposits and savings accounts is the amount payable on demand. We estimate the fair value of fixed maturity certificates of deposit using the rates currently offered for deposits of similar remaining maturities.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <u>Advances from borrowers for taxes and insurance</u>: The amounts reported at carrying amount approximate the fair value of these assets.</p> </div> 0 2852313 2859604 211099 -2154541 786727 92465 0 25303 -307507 0 <div> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Note 5. Allowance for Loan Losses</b></p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 30.25pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The activity in the allowance for loan losses is as follows:</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 30.25pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Nine&#xA0;Months<br /> Ended<br /> December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Year&#xA0;Ended<br /> March&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Nine&#xA0;Months<br /> Ended<br /> December&#xA0;31,<br /> 2010</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="WIDTH: 64%">Balance - Beginning of Year</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 635,535</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">605,000</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">605,000</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Provision for loan losses</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">211,099</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">234,519</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">190,507</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Recoveries:</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Residential 1-4 Single family</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">3,366</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,641</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,641</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Charge-offs:</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Residential 1-4 Single family</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">(60,500</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">(31,810</td> <td style="TEXT-ALIGN: left">)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">(28,233</td> <td style="TEXT-ALIGN: left">)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 11.5pt">Construction</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">0</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">(173,815</td> <td style="TEXT-ALIGN: left">)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">(173,815</td> <td style="TEXT-ALIGN: left">)</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 11.5pt"> Commercial</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> (13,202</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 0</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 23.05pt">Total charge-offs</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> (73,702</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (205,625</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (202,048</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">)</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt">Net charge-offs</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> (70,336</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (203,984</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (200,407</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt">Balance - End of Period</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 776,298</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 635,535</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 595,100</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The following table sets forth for the nine months ended December 31, 2011, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually. The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance to absorb losses in other portfolio segments.</p> <p style="TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="22"><font style="FONT-SIZE: 7pt">Loans&#xA0;Secured&#xA0;By&#xA0;Mortgages</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="14"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="10"><font style="FONT-SIZE: 7pt">Residential</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="10"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="6"><font style="FONT-SIZE: 7pt">Not&#xA0;Real&#xA0;Estate&#xA0;Secured</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="6"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">1-4&#xA0;Single</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">Multi-</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">Lines&#xA0;of</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; 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TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">Unallocated</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2"><font style="FONT-SIZE: 7pt">Total</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 0.1in"><font style="FONT-SIZE: 7pt">Allowance for loan losses:</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt; WIDTH: 20%"> <font style="FONT-SIZE: 7pt">Beginning balance</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">185,114</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">17,417</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">8,441</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">141,331</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">73,355</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">95,779</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">5,848</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">63,745</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">44,505</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">$</font></td> <td style="TEXT-ALIGN: right; WIDTH: 5%"><font style="FONT-SIZE: 7pt">635,535</font></td> <td style="TEXT-ALIGN: left; WIDTH: 1%"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 0.35in"><font style="FONT-SIZE: 7pt">Charge-offs</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">(60,500</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">)</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">(13,202</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">)</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">(73,702</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">)</font></td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 0.35in"><font style="FONT-SIZE: 7pt">Recoveries</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">3,366</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">3,366</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 0.35in"> <font style="FONT-SIZE: 7pt">Provision</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">114,526</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">2,166</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">3,505</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">89,388</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">99,174</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">(71,424</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">)</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">(1,668</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">)</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">6,242</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">(30,810</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">)</font></td> <td style="PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">211,099</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt"> <font style="FONT-SIZE: 7pt">Ending Balance</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">242,506</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">19,583</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">11,946</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">230,719</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">172,529</font></td> <td style="TEXT-ALIGN: left; 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TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">56,785</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">13,695</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">776,298</font></td> <td style="TEXT-ALIGN: left; 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TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">71,833</font></td> <td style="TEXT-ALIGN: left; 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TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">127,875</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; 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PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">24,355</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">3,490</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">56,785</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">13,695</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">648,423</font></td> <td style="TEXT-ALIGN: left; 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VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 0.1in"><font style="FONT-SIZE: 7pt">Loans:</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt"> <font style="FONT-SIZE: 7pt">Ending balance</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">52,526,958</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">1,612,603</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">2,049,572</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">15,848,117</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">6,686,979</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">1,567,758</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">611,975</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">4,136,809</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">85,040,771</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 0.1in"><font style="FONT-SIZE: 7pt">Ending balance:</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt"> <font style="FONT-SIZE: 7pt">Individually evaluated for impairment</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">599,265</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">233,102</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">8,101</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">0</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">840,468</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 16.2pt"> <font style="FONT-SIZE: 7pt">Collectively evaluated for impairment</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">51,927,693</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">1,612,603</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">2,049,572</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">15,848,117</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">6,453,877</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">1,567,758</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">603,874</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">4,136,809</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: right"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> <font style="FONT-SIZE: 7pt">$</font></td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> <font style="FONT-SIZE: 7pt">84,200,303</font></td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt"><font style="FONT-SIZE: 7pt">&#xA0;</font></td> </tr> </table> <p style="TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;&#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> Madison recorded a partial charge-off on two residential 1-4 single family mortgage loans, writing them down to their net realizable value and recorded a full charge-off on one commercial loan for the nine months ended December 31, 2011.</p> </div> <div> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Note 7. Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> In the normal course of business, the Bank has various outstanding commitments and contingent liabilities that are not reflected in the accompanying financial statements. Loan commitments and lines of credit are agreements to lend to a customer as long as there is no violation of any condition to the contract. Mortgage loan commitments generally have fixed interest rates, fixed expiration dates, and may require payment of a fee. Other loan commitments generally have fixed interest rates. Commitments to purchase loans do not represent future cash requirements, as it is unlikely all loans will be closed prior to the expiration of the commitment. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will draw upon their lines in full at any time. Letters of credit are commitments issued to guarantee the performance of a customer to a third party.</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The Bank&#x2019;s maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the credit commitment. Loan commitments, lines of credit, and letters of credit are made on the same terms, including collateral, as outstanding loans. Management is not aware of any accounting loss to be incurred by funding these loan commitments.</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The Bank had outstanding firm commitments to originate, fund, or purchase loans as follows:</p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 98%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0" align="center"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">December&#xA0;31,<br /> 2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">March&#xA0;31,<br /> &#xA0;2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> &#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: center" colspan="2">&#xA0;</td> <td>&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="WIDTH: 76%">Mortgage loans commitments &#x2013; fixed rate</td> <td style="WIDTH: 1%; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%; FONT-WEIGHT: bold"> 822,724</td> <td style="TEXT-ALIGN: left; WIDTH: 1%; FONT-WEIGHT: bold"> &#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">2,780,080</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Mortgage loans commitments &#x2013; variable rate</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">3,365,592</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,284,968</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Commitments to originate nonmortgage loans</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">43,000</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">0</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Commitments to purchase loans</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">0</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">606,813</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Unused equity lines of credit (variable rate)</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">1,980,935</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">1,554,378</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Commercial and consumer lines of credit</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: right; FONT-WEIGHT: bold">742,156</td> <td style="TEXT-ALIGN: left; FONT-WEIGHT: bold">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">801,645</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt">Standby letters of credit</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; FONT-WEIGHT: bold"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 675,023</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 472,708</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 9pt">Total</td> <td style="PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left; FONT-WEIGHT: bold"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right; FONT-WEIGHT: bold"> 7,629,430</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt; FONT-WEIGHT: bold"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 10,500,592</td> </tr> </table> </div> <div> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>Note 3. Investment Securities</b></p> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> <b>&#xA0;</b></p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The amortized cost and estimated fair value of investment securities at December 31, 2011 and March 31, 2011, are summarized as follows:</p> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Amortized<br /> Cost</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Gross<br /> Unrealized<br /> Gains</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Gross<br /> Unrealized<br /> Losses</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"> December 31, 2011</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Investment securities available-for-sale:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 7.55pt; WIDTH: 52%">U.S. government agencies</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">3,352,028</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">6,041</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">12</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">3,358,057</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 7.55pt">Brokered certificates of deposit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">6,562,173</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">2,613</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">16,265</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">6,548,521</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 7.55pt">Mortgage-backed securities (Agency)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">37,058,015</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">530,866</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">11,758</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">37,577,123</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 14.75pt"> Collateralized mortgage obligations (Agency)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 8,031,786</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 26,473</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,594</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 8,051,665</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; PADDING-LEFT: 0.3in">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 55,004,002</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 565,993</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 34,629</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 55,535,366</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 100%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Amortized<br /> Cost</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Gross<br /> Unrealized<br /> Gains</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Gross<br /> Unrealized<br /> Losses</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"> March 31, 2011</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: right; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="FONT-WEIGHT: bold">Investment securities available-for-sale:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 14.75pt; WIDTH: 52%"> U.S. government agencies</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">10,233,047</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">6,989</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">84,729</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">10,155,307</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 14.75pt">Brokered certificates of deposit</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,785,434</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">5,149</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">13,986</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,776,597</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 14.75pt"> Mortgage-backed securities (Agency)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">33,117,844</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">315,611</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">416,993</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">33,016,462</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="TEXT-INDENT: -0.1in; PADDING-LEFT: 14.75pt"> Collateralized mortgage obligations (Agency)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,475,445</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">18,513</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">7,432</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">4,486,526</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 14.75pt"> Collateralized mortgage obligations (Nonagency)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 263,109</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,872</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 78,904</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 190,077</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt; TEXT-INDENT: -0.1in; PADDING-LEFT: 0.1in"> &#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 52,874,879</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 352,134</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 602,044</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 52,624,969</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The bank has arranged for a $4.1 million line of credit for liquidity to meet expected and unexpected cash needs with a large financial institution. Any advances would be collateralized by the broker certificates of deposit and various U.S. Government Agency securities. As of December 31, 2011 and March 31, 2011, there were no borrowings or securities pledged under this line of credit.</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;&#xA0;</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> The following is a summary of contractual maturities of securities available-for-sale as of December 31, 2011:</p> <p style="TEXT-ALIGN: justify; TEXT-INDENT: 27pt; MARGIN: 0px; FONT: 10pt Times New Roman, Times, Serif"> &#xA0;</p> <table style="WIDTH: 90%; FONT: 10pt Times New Roman, Times, Serif" cellspacing="0" cellpadding="0" align="center"> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="6">Available-for-Sale</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> Amortized</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> <td style="TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2"> Estimated</td> <td style="FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: center">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Cost</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td>Amounts maturing in:</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 7.9pt; WIDTH: 76%">One year or less</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">3,666,173</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> <td style="WIDTH: 1%">&#xA0;</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">$</td> <td style="TEXT-ALIGN: right; WIDTH: 9%">3,667,022</td> <td style="TEXT-ALIGN: left; WIDTH: 1%">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 7.9pt">After one year through five years</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">3,746,000</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">3,735,020</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 7.9pt">After five years through ten years</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">2,002,028</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">2,004,537</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt; PADDING-LEFT: 7.9pt">After ten years</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 500,000</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 499,999</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.3in">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">9,914,201</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">9,906,578</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-LEFT: 0.3in">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td>Mortgage-backed securities (Agency)</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">37,058,015</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td>&#xA0;</td> <td style="TEXT-ALIGN: left">&#xA0;</td> <td style="TEXT-ALIGN: right">37,577,123</td> <td style="TEXT-ALIGN: left">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204); VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 1pt">Collateralized mortgage obligations (Agency)</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 8,031,786</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> &#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 8,051,665</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1pt">&#xA0;</td> </tr> <tr style="BACKGROUND-COLOR: white; VERTICAL-ALIGN: bottom"> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 55,004,002</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="PADDING-BOTTOM: 2.5pt">&#xA0;</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: left"> $</td> <td style="BORDER-BOTTOM: black 2.5pt double; TEXT-ALIGN: right"> 55,535,366</td> <td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2.5pt">&#xA0;</td> </tr> </table> <p style="TEXT-ALIGN: justify; 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TEXT-ALIGN: left; FONT-WEIGHT: bold"> December&#xA0;31,&#xA0;2011</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Gross<br /> Unrealized<br /> Losses</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Estimated<br /> Fair&#xA0;Value</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="PADDING-BOTTOM: 1pt; FONT-WEIGHT: bold">&#xA0;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; FONT-WEIGHT: bold" colspan="2">Gross<br /> Unrealized<br /> Losses</td> <td style="PADDING-BOTTOM: 1pt; 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Earnings per Share
9 Months Ended
Dec. 31, 2011
Earnings per Share

Note 2. Earnings per Share

 

When presented, basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. The calculation of weighted average common shares outstanding for the three and nine months periods ended December 31, 2010, is based on the period from October 6, 2010, the date of the conversion stock issuance, through December 31, 2010.

 

    Three Months Ended
December 31,
    Nine Months Ended
December 31,
 
    2011     2010     2011     2010  
                         
Net income (loss)   $ 18,020     $ 1,561     $ 21,504     $ (15,767 )
Average common shares outstanding     568,424       565,581       568,399       565,581  
Earnings per common share   $ 0.03     $ 0.00     $ 0.04     $ (0.03 )
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Activities and Summary of Significant Accounting Policies
9 Months Ended
Dec. 31, 2011
Activities and Summary of Significant Accounting Policies

Note 1. Activities and Summary of Significant Accounting Policies

 

Madison Bancorp, Inc. (Company) was incorporated on May 20, 2010, to be the holding company for Madison Square Federal Savings Bank (Bank) in conjunction with the Bank’s plan of conversion from the mutual to stock form of ownership. On October 6, 2010, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a mutual savings bank to a stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 608,116 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of $5,340,068, net of offering expenses of $741,092. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 7% of the number of shares sold in the offering, or 42,568 shares of common stock. Accordingly, the reported results for the period since the conversion date relate to the consolidated holding company and the reported results for periods prior to the conversion date related to the results for the bank and its subsidiary. All material intercompany accounts and transaction have been eliminated in consolidation.

 

In accordance with applicable regulations governing the conversion, upon the completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

 

Madison Square Federal Savings Bank was incorporated in 1870 under the laws of the State of Maryland. The Bank is a federally chartered savings bank engaged in banking and related services primarily in the Baltimore Metropolitan area.

 

Summary of Significant Accounting Policies

 

The foregoing consolidated financial statements are unaudited; however, in the opinion of management, we have included all adjustments (comprising only normal recurring accruals) necessary for a fair presentation of the results of the interim period. We derived the balances as of March 31, 2011, from audited financial statements. These statements should be read in conjunction with Madison Bancorp’s financial statements and accompanying notes included in Madison Bancorp’s Form 10-K for the year ended March 31, 2011. We have made no significant changes to Madison Bancorp’s accounting policies as disclosed in the Form 10-K.

 

The accounting and reporting policies of Madison Bancorp, Inc. and Subsidiaries (collectively “Madison”) conform to accounting principles generally accepted in the United States of America (“U.S. GAAP”) and to general practices in the banking industry. The more significant policies follow:

 

Principles of Consolidation. The accompanying consolidated financial statements include the accounts of the parent company and its wholly owned subsidiary, Madison Square Federal Savings Bank and its wholly owned subsidiary, Madison Financial Services Corporation (MFSC). MFSC is engaged in the business of insurance and brokerage services primarily in the Baltimore area. All significant intercompany balances and transactions have been eliminated in consolidation.

 

Reclassifications. Certain prior year amounts have been reclassified to conform to current period classifications. The reclassifications had no effect on net loss or the net change in cash and cash equivalents and are not material to previously issued financial statements.

  

Use of Estimates. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and the accompanying notes. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income tax valuation allowances, the fair value of investment securities, and other than temporary impairment of investment securities.

 

Subsequent Events. We evaluated subsequent events after December 31, 2011 through February 8, 2012, the date this report was available to be issued. No significant subsequent events were identified which would affect the presentation of the financial statements.

 

Recently Adopted Accounting Guidance

 

In June 2011, the FASB issued ASU No. 2011-05, “Comprehensive Income (Topic 220)-Presentation of Comprehensive Income” which amended disclosure guidance related to comprehensive income. The amendment requires that all nonowner changes in shareholders’ equity be presented in either a single continuous statement of comprehensive income or in two separate but consecutive statements. The amendment also requires entities to present, on the face of the financial statements, reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement or statements where components of net income and the components of other comprehensive income are presented. The option to present components of other comprehensive income as part of the consolidated statement of changes in shareholders’ equity was eliminated. The amendments in this update are effective for fiscal years and interim periods within those years beginning after December 15, 2011. Adoption of this guidance has not had a material impact on our consolidated results of operations or financial condition. Portions of the implementation of this guidance have been deferred by ASU 2011-12. The portions that have been deferred are not expected to have a material impact on our consolidated results of operations or financial condition.

 

In May 2011, the FASB issued ASU 2011-04, “Fair Value Measurement (Topic 820) - Amendments to Achieve Common Fair Value Measurements and Disclosure Requirements in U.S. GAAP and IFRSs.” ASU 2011-04 amends Topic 820, “Fair Value Measurements and Disclosures,” to converge the fair value measurement guidance in U.S. generally accepted accounting principles and International Financial Reporting Standards. ASU 2011-04 clarifies the application of existing fair value measurement requirements, changes certain principles in Topic 820, and requires additional fair value disclosures. This guidance is effective for annual periods beginning after December 15, 2011, and is not expected to have a material impact on our consolidated results of operations or financial condition.

 

In April 2011, the FASB issued ASU No. 2011-02, “Receivables (Topic 310)-A Creditor’s Determination of Whether a Restructuring Is a Troubled Debt Restructuring”, which amended accounting and disclosure guidance relating to a creditor’s determination of whether a restructuring is a troubled debt restructuring. The amendments clarify the guidance on a creditor’s evaluation of whether it has granted a concession and whether a debtor is experiencing financial difficulties. The amendments are effective for the first interim or annual period beginning on or after June 15, 2011, and should be applied retrospectively to the beginning of the annual period of adoption. As a result of the application of the amendments, receivables previously measured under loss contingency guidance that are newly considered impaired should be disclosed, along with the related allowance for credit losses, as of the end of the period of adoption. For purposes of measuring impairment of those receivables, an entity should apply the amendments prospectively for the first interim or annual period beginning on or after June 15, 2011. The deferred credit risk disclosure guidance issued in July 2010 relating to troubled debt restructurings will now be effective for interim and annual periods beginning on or after June 15, 2011. Adoption of this guidance has not had a material impact on our consolidated results of operations or financial condition.

XML 14 R2.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Financial Condition (USD $)
Dec. 31, 2011
Mar. 31, 2011
Assets    
Cash and cash equivalents $ 6,219,110 $ 8,183,156
Certificates of deposit 735,970 482,673
Investment securities available-for-sale 55,535,366 52,624,969
Federal Home Loan Bank stock, at cost 234,500 242,500
Loans receivable, net 84,348,377 86,178,498
Premises and equipment, net 3,812,548 3,876,969
Ground rents, net 419,956 453,856
Other real estate owned 0 434,000
Accrued interest receivable 452,195 440,683
Deferred income taxes 0 208,277
Prepaid expenses and other assets 715,712 865,201
Total Assets 152,473,734 153,990,782
Deposits:    
Noninterest bearing 6,220,721 5,262,091
NOW and Money Market 7,600,829 8,405,771
Savings 21,883,944 22,521,417
Time 101,965,828 103,329,077
Total Deposits 137,671,322 139,518,356
Advances from borrowers for taxes and insurance 250,477 557,984
Deferred income taxes 99,896 0
Other liabilities 288,654 275,411
Total Liabilities 138,310,349 140,351,751
Shareholders' Equity    
Common Stock, $.01 par value, 10,000,000 shares authorized. Issued: 608,116 shares at December 31, 2011 and March 31, 2011 6,081 6,081
Additional paid-in capital 5,329,802 5,335,052
Retained earnings 8,868,035 8,846,531
Unearned ESOP shares (362,300) (397,300)
Accumulated other comprehensive income (loss) 321,767 (151,333)
Total Shareholders' Equity 14,163,385 13,639,031
Total Liabilities and Shareholders' Equity $ 152,473,734 $ 153,990,782
XML 15 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Changes in Shareholders' Equity (USD $)
Total
Common Stock
Additional Paid-in Capital
Retained Earnings
Unearned ESOP Shares
Accumulated Other Comprehensive Income
Beginning Balance at Mar. 31, 2010 $ 9,063,027 $ 0 $ 0 $ 8,903,564 $ 0 $ 159,463
Comprehensive income:            
Net income (loss) (15,767)     (15,767)    
Other comprehensive income (loss) (171,637)         (171,637)
Total comprehensive income (loss) (187,404)          
Issuance of common stock 5,340,068 6,081 5,333,987      
Acquisition of unearned ESOP shares (425,680)       (425,680)  
ESOP shares allocated for release 29,445   1,065   28,380  
Ending Balance at Dec. 31, 2010 13,819,456 6,081 5,335,052 8,887,797 (397,300) (12,174)
Beginning Balance at Mar. 31, 2011 13,639,031 6,081 5,335,052 8,846,531 (397,300) (151,333)
Comprehensive income:            
Net income (loss) 21,504     21,504    
Other comprehensive income (loss) 473,100         473,100
Total comprehensive income (loss) 494,604          
ESOP shares allocated for release 29,750   (5,250)   35,000  
Ending Balance at Dec. 31, 2011 $ 14,163,385 $ 6,081 $ 5,329,802 $ 8,868,035 $ (362,300) $ 321,767
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XML 17 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Cash Flows (USD $)
9 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Cash flows from Operating Activities    
Net income (loss) $ 21,504 $ (15,767)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:    
Net amortization of investment securities 132,690 62,358
Decrease in net deferred loan costs 9,778 19,636
Provision for Loan Losses 211,099 190,507
Provision for ground rent losses 26,000 6,548
Gain on sale of investment securities (92,465) (118,639)
Loss on sale and write-down of other real estate owned 19,948 0
Depreciation and amortization 170,134 174,315
ESOP expense 29,750 29,445
Changes in operating assets and liabilities:    
Accrued interest receivable (11,512) 5,713
Prepaid expenses and other assets 149,489 361,753
Other liabilities 13,243 (37,942)
Net Cash provided by (used in) operating activities 679,658 677,927
Cash flows from Investing Activities    
Decrease in loans receivable, net 1,609,244 3,072,422
Increase in investment certificates of deposit, net (253,297) (491,743)
Activity in held-to-maturity securities:    
Sales 0 687,875
Maturities and repayments 0 393,856
Activity in available-for-sale securities:    
Sales 21,716,249 5,031,256
Maturities, repayments and calls 14,037,695 15,399,989
Purchases (37,923,293) (34,013,130)
Purchase of property and equipment (106,161) (52,099)
Proceeds from sale of property and equipment 448 0
Redemption of FHLB stock 8,000 0
Proceeds from the sale of OREO 414,052 0
Proceeds from sale of ground rents 7,900 6,100
Net cash provided by investing activities (489,163) (9,965,474)
Cash flow from Financing Activities    
Increase (decrease) increase in deposits, net (1,847,034) 2,798,439
Decrease in advances from borrowers, net (307,507) (336,375)
Net proceeds from the issuance of common stock 0 5,340,068
Acquisition of ESOP shares 0 (425,680)
Net cash provided by financing activities (2,154,541) 7,376,452
Net Change in Cash and Cash Equivalents (1,964,046) (1,911,095)
Cash and Cash Equivalents, Beginning of Period 8,183,156 13,354,975
Cash and Cash Equivalents, End of Period 6,219,110 11,443,880
Supplemental disclosure:    
Interest paid 1,528,901 1,742,613
Loans transferred to other real estate owned 0 434,000
Held-to-maturity investments transferred to available-for-sale $ 0 $ 1,216,265
XML 18 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Financial Condition (Parenthetical) (USD $)
Dec. 31, 2011
Mar. 31, 2011
Common Stock, par value $ 0.01 $ 0.01
Common Stock, shares authorized 10,000,000 10,000,000
Common Stock, Issued 608,116 608,116
XML 19 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information
9 Months Ended
Dec. 31, 2011
Feb. 08, 2012
Document Information [Line Items]    
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Dec. 31, 2011  
Document Fiscal Year Focus 2012  
Document Fiscal Period Focus Q3  
Trading Symbol MDSN  
Entity Registrant Name MADISON BANCORP INC  
Entity Central Index Key 0001492324  
Current Fiscal Year End Date --03-31  
Entity Filer Category Smaller Reporting Company  
Entity Common Stock, Shares Outstanding   608,116
XML 20 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Operations (USD $)
3 Months Ended 9 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2011
Dec. 31, 2010
Interest Revenue        
Interest and fees on loans $ 1,170,312 $ 1,242,843 $ 3,561,320 $ 3,780,677
Investment securities available-for-sale 256,922 230,231 786,727 665,370
Investment securities held-to-maturity 0 15,699 0 63,334
Interest-bearing deposits 5,144 14,185 19,760 41,306
Other 5,283 6,289 21,050 21,255
Total Interest Revenue 1,437,661 1,509,247 4,388,857 4,571,942
Interest on deposits:        
Time 476,468 525,558 1,467,424 1,658,317
Savings 11,167 14,670 36,526 43,301
NOW and Money Market 8,116 8,769 25,303 31,449
Other interest expense 0 3 0 42
Total Interest Expense 495,751 549,000 1,529,253 1,733,109
Net Interest Income 941,910 960,247 2,859,604 2,838,833
Provision for Loan Losses 90,000 78,832 211,099 190,507
Net Interest Income after Provision for Loan Losses 851,910 881,415 2,648,505 2,648,326
Noninterest Revenue        
Gain on sale of investment securities 53,990 62,261 92,465 118,639
Other 44,042 65,896 132,847 217,123
Total Noninterest Revenue 98,032 128,157 225,312 335,762
Noninterest Expenses        
Salaries and employee benefits 508,154 462,071 1,525,009 1,415,702
Occupancy and equipment expense 212,708 278,074 664,551 824,309
Advertising 2,413 2,731 9,328 6,277
Professional services 38,668 49,924 129,463 119,115
FDIC premiums and regulatory assessments 45,000 100,097 149,174 297,495
Data processing 51,888 44,246 158,024 142,332
Stationery and postage 16,408 16,623 59,093 54,044
Other operating expenses 56,683 54,245 157,671 140,581
Total Noninterest Expense 931,922 1,008,011 2,852,313 2,999,855
Income (Loss) Before Income Taxes 18,020 1,561 21,504 (15,767)
Income Tax Expense 0 0 0 0
Net Income (Loss) $ 18,020 $ 1,561 $ 21,504 $ (15,767)
Basic income (loss) per common share $ 0.03 $ 0.00 $ 0.04 $ (0.03)
Diluted income (loss) per common share $ 0.03 $ 0.00 $ 0.04 $ (0.03)
XML 21 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance for Loan Losses
9 Months Ended
Dec. 31, 2011
Allowance for Loan Losses

Note 5. Allowance for Loan Losses

 

The activity in the allowance for loan losses is as follows:

 

    Nine Months
Ended
December 31,
2011
    Year Ended
March 31,
2011
    Nine Months
Ended
December 31,
2010
 
Balance - Beginning of Year   $ 635,535     $ 605,000     $ 605,000  
Provision for loan losses     211,099       234,519       190,507  
Recoveries:                        
Residential 1-4 Single family     3,366       1,641       1,641  
Charge-offs:                        
Residential 1-4 Single family     (60,500 )     (31,810 )     (28,233 )
Construction     0       (173,815 )     (173,815 )
Commercial     (13,202 )     0       0  
Total charge-offs     (73,702 )     (205,625 )     (202,048 )
Net charge-offs     (70,336 )     (203,984 )     (200,407 )
Balance - End of Period   $ 776,298     $ 635,535     $ 595,100  

 

The following table sets forth for the nine months ended December 31, 2011, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually. The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance to absorb losses in other portfolio segments.

 

    Loans Secured By Mortgages        
    Residential           Not Real Estate Secured        
    1-4 Single     Multi-     Lines of                                            
    Family     family     Credit     Commercial     Land     Construction     Consumer     Commercial     Unallocated     Total  
Allowance for loan losses:                                                                                
Beginning balance   $ 185,114     $ 17,417     $ 8,441     $ 141,331     $ 73,355     $ 95,779     $ 5,848     $ 63,745     $ 44,505     $ 635,535  
Charge-offs     (60,500 )     0       0       0       0       0       0       (13,202 )     0       (73,702 )
Recoveries     3,366       0       0       0       0       0       0       0       0       3,366  
Provision     114,526       2,166       3,505       89,388       99,174       (71,424 )     (1,668 )     6,242       (30,810 )     211,099  
Ending Balance   $ 242,506     $ 19,583     $ 11,946     $ 230,719     $ 172,529     $ 24,355     $ 4,180     $ 56,785     $ 13,695     $ 776,298  
                                                                                 
Ending balance:                                                                                
Individually evaluated for impairment   $ 55,352     $ 0     $ 0     $ 0     $ 71,833     $ 0     $ 690     $ 0     $ 0     $ 127,875  
Collectively evaluated for impairment   $ 187,154     $ 19,583     $ 11,946     $ 230,719     $ 100,696     $ 24,355     $ 3,490     $ 56,785     $ 13,695     $ 648,423  
                                                                                 
Loans:                                                                                
Ending balance   $ 52,526,958     $ 1,612,603     $ 2,049,572     $ 15,848,117     $ 6,686,979     $ 1,567,758     $ 611,975     $ 4,136,809             $ 85,040,771  
Ending balance:                                                                                
Individually evaluated for impairment     599,265       0       0       0       233,102       0       8,101       0               840,468  
Collectively evaluated for impairment   $ 51,927,693     $ 1,612,603     $ 2,049,572     $ 15,848,117     $ 6,453,877     $ 1,567,758     $ 603,874     $ 4,136,809             $ 84,200,303  

  

Madison recorded a partial charge-off on two residential 1-4 single family mortgage loans, writing them down to their net realizable value and recorded a full charge-off on one commercial loan for the nine months ended December 31, 2011.

XML 22 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans Receivable
9 Months Ended
Dec. 31, 2011
Loans Receivable

Note 4. Loans Receivable

 

Loans receivable consist of the following at December 31, 2011 and March 31, 2011:

 

    December 31,
2011
    March 31,
2011
 
Loans secured by mortgages:                
Residential:                
1-4 Single family   $ 52,526,958     $ 57,608,257  
Multifamily     1,612,603       1,667,385  
Lines of credit     2,049,572       1,756,463  
Commercial     15,848,117       12,154,376  
Land     6,686,979       5,566,059  
Construction     1,567,758       2,175,906  
      80,291,987       80,928,446  
Consumer     611,975       828,925  
Commercial     4,136,809       4,962,980  
Total loans receivable     85,040,771       86,720,351  
Net deferred costs     83,904       93,682  
Allowance for loan losses     (776,298 )     (635,535 )
Loans receivable, net   $ 84,348,377     $ 86,178,498  

 

The following presents by class and by credit quality indicator, the recorded investment in the Company’s loans as of December 31, 2011 and March 31, 2011.

 

Commercial Credit Exposure   Commercial, 
Not Real Estate Secured
    Commercial Real Estate  
    December 31,
2011
    March 31,
2011
    December 31,
2011
    March 31,
2011
 
Grade:                                
Pass   $ 4,101,434     $ 4,247,846     $ 13,584,401     $ 10,926,093  
Special Mention     35,375       715,134       2,263,716       1,228,283  
Substandard     0       0       0       0  
Doubtful     0       0       0       0  
Loss     0       0       0       0  
    $ 4,136,809     $ 4,962,980     $ 15,848,117     $ 12,154,376  

 

Other Credit Exposure   Construction, Land, and
Land Development
    Residential Real Estate
Other (1)
    Consumer  
    December 31,
2011
    March 31,
2011
    December 31,
2011
    March 31,
2011
    December 31,
2011
    March 31,
2011
 
Grade:                                                
Pass   $ 6,853,603     $ 6,903,681     $ 54,945,956     $ 59,969,972     $ 603,874     $ 828,925  
Special Mention     1,168,032       603,782       643,912       967,829       0       0  
Substandard     233,102       234,502       599,265       94,304       8,101       0  
Doubtful     0       0       0       0       0       0  
Loss     0       0       0       0       0       0  
    $ 8,254,737     $ 7,741,965     $ 56,189,133     $ 61,032,105     $ 611,975     $ 828,925  
                                                 


(1) Residential real estate other includes 1-4 family residential, multifamily residential and home equity lines of credit.

 

Age Analysis of Past Due Loans as of December 31, 2011 and March 31, 2011

 

December 31, 2011   30-59 Days
Past Due
    60-89
Days Past
Due
    90 Days or
More Past
Due and
Nonaccruing
    Total Past
Due and
Nonaccruing
    Current     Total Loans  
Loans secured by mortgages:                                                
Residential:                                                
1-4 Single family   $ 1,475,642     $ 748,914     $ 215,639     $ 2,440,195     $ 50,086,763     $ 52,526,958  
Multifamily     0       0       0       0       1,612,603       1,612,603  
Lines of credit     0       0       0       0       2,049,572       2,049,572  
Commercial     386,307       0       0       386,307       15,461,810       15,848,117  
Land     0       0       0       0       6,686,979       6,686,979  
Construction     0       0       0       0       1,567,758       1,567,758  
      1,861,949       748,914       215,639       2,826,502       77,465,485       80,291,987  
Consumer     6,442       0       8,101       14,543       597,432       611,975  
Commercial     35,375       0       0       35,375       4,101,434       4,136,809  
    $ 1,903,766     $ 748,914     $ 223,740     $ 2,876,420     $ 82,164,351     $ 85,040,771  

 

March 31, 2011   30-59 Days
Past Due
    60-89
Days Past
Due
    90 Days or
More Past
Due and
Nonaccruing
    Total Past
Due and
Nonaccruing
    Current     Total Loans  
Loans secured by mortgages:                                                
Residential:                                                
1-4 Single family   $ 707,959     $ 0     $ 9,137     $ 717,096     $ 56,891,161     $ 57,608,257  
Multifamily     0       0       0       0       1,667,385       1,667,385  
Lines of credit     0       0       0       0       1,756,463       1,756,463  
Commercial     393,545       0       0       393,545       11,760,831       12,154,376  
Land     0       0       0       0       5,566,059       5,566,059  
Construction     0       0       0       0       2,175,906       2,175,906  
      1,101,504       0       9,137       1,110,641       79,817,805       80,928,446  
Consumer     891       6,535       0       7,426       821,499       828,925  
Commercial     0       0       0       0       4,962,980       4,962,980  
    $ 1,102,395     $ 6,535     $ 9,137     $ 1,118,067     $ 85,602,284     $ 86,720,351  

 

There are no loans that are 90 days or more past due that are in accrual status at either December 31, 2011 or March 31, 2011.

 

Loans on Nonaccrual Status as of December 31, 2011 and March 31, 2011

 

    December 31, 2011     March 31, 2011  
Nonaccrual loans:                
Residential 1-4 Single family   $ 215,639     $ 9,137  
Consumer     8,101       0  
Total nonaccrual loans   $ 223,740     $ 9,137  
Allowance for loan losses as a percentage of nonaccrual loans     346.96 %     6,955.62 %
Foregone interest on nonaccrual loans   $ 7,709     $ 610  

   

Troubled Debt Restructurings as of December 31, 2011 and March 31, 2011

 

    December 31, 2011     March 31, 2011  
Troubled debt restructurings:                
Residential 1-4 Single family   $ 383,626     $ 0  

 

This one troubled debt restructuring (TDR) is in accrual status and is in compliance with its modified terms. The Bank modified the interest rate by decreasing it by 1.875% which reduced their monthly payment and we deferred the modification fee until the end of the loan. The Bank has taken a $50,000 specific reserve against the loan, and it is included with impaired loans.

 

Impaired Loans as of and for the Nine Months Ended December 31, 2011

 

    Unpaid Principal
Balance
    Related
Allowance
    Average Unpaid
Principal  Balance
    Interest Income
Recognized
 
                         
Impaired loans without a related reserve:                                
Loans secured by mortgages:                                
Residential:                                
1-4 Single family   $ 209,093     $ 0     $ 267,299     $ 420  
Multifamily     0       0       0       0  
Lines of credit     0       0       0       0  
Commercial     0       0       0       0  
Land     0       0       0       0  
Construction     0       0       0       0  
      209,093       0       267,299       420  
Consumer     8,101       0       9,176       330  
Commercial     0       0       0       0  
Total impaired loans without a related reserve     217,194       0       276,475       750  
                                 
Impaired loans with a related reserve:                                
Loans secured by mortgages:                                
Residential:                                
1-4 Single family     390,172       53,820       393,017       15,510  
Multifamily     0       0       0       0  
Lines of credit     0       0       0       0  
Commercial     0       0       0       0  
Land     233,102       71,833       233,947       8,184  
Construction     0       0       0       0  
      623,274       125,653       626,964       23,694  
Consumer     0       0       0       0  
Commercial     0       0       0       0  
Total impaired loans with a related reserve     623,274       125,653       626,964       23,694  
                                 
Total impaired loans:                                
Loans secured by mortgages:                                
Residential:                                
1-4 Single family     599,265       53,820       660,316       15,930  
Multifamily     0       0       0       0  
Lines of credit     0       0       0       0  
Commercial     0       0       0       0  
Land     233,102       71,833       233,947       8,184  
Construction     0       0       0       0  
      832,367       125,653       894,263       24,114  
Consumer     8,101       0       9,176       330  
Commercial     0       0       0       0  
Total impaired loans   $ 840,468     $ 125,653     $ 903,439     $ 24,444  

 

The construction portion of the construction loan that was previously reported as impaired was sold, and the remaining portion of the project is secured by land only and is therefore reported in the land section of the impaired loan table for the nine months ended December 31, 2011.

 

Impaired Loans as of and for the Year Ended March 31, 2011

 

    Unpaid Principal
Balance
    Related
Allowance
    Average Unpaid
Principal  Balance
    Interest Income
Recognized
 
                         
Impaired loans without a related reserve:                                
Loans secured by mortgages:                                
Residential:                                
1-4 Single family   $ 94,304     $ 0     $ 99,211     $ 4,502  
Multifamily     0       0       0       0  
Lines of credit     0       0       0       0  
Commercial     0       0       0       0  
Land     0       0       0       0  
Construction     0       0       0       0  
      94,304       0       99,211       4,502  
Consumer     0       0       0       0  
Commercial     0       0       0       0  
Total impaired loans without a related reserve     94,304       0       99,211       4,502  
                                 
Impaired loans with a related reserve:                                
Loans secured by mortgages:                                
Residential:                                
1-4 Single family     0       0       0       0  
Multifamily     0       0       0       0  
Lines of credit     0       0       0       0  
Commercial     0       0       0       0  
Land     0       0       0       0  
Construction     234,502       71,845       585,731       26,500  
      234,502       71,845       585,731       26,500  
Consumer     0       0       0       0  
Commercial     0       0       0       0  
Total impaired loans with a related reserve     234,502       71,845       585,731       26,500  
                                 
Total impaired loans:                                
Loans secured by mortgages:                                
Residential:                                
1-4 Single family     94,304       0       99,211       4,502  
Multifamily     0       0       0       0  
Lines of credit     0       0       0       0  
Commercial     0       0       0       0  
Land     0       0       0       0  
Construction     234,502       71,845       585,731       26,500  
      328,806       71,845       684,942       31,002  
Consumer     0       0       0       0  
Commercial     0       0       0       0  
Total impaired loans   $ 328,806     $ 71,845     $ 684,942     $ 31,002  

 

We occasionally modify loans to extend the term to help borrowers stay current on their loan and to avoid foreclosure in those instances in which we believe the borrower will be able to repay the loan under the modified terms. At December 31, 2011, we had six 1-4 single family mortgage loans totaling approximately $1.1 million for which we modified the terms either by increasing the payments to allow the customer to become current or deferring payments to the end of the term in the form of a balloon payment. We did not forgive any principal or interest or modify the interest rates on the loans. Three of these six modified loans with a balance of $553,000 were in compliance with their modified terms at December 31, 2011. One loan with a balance of $201,000 is 30 days past due and one loan with a balance of $184,000 is 60 days past due. One loan with a balance of $185,000 is not in compliance with its modified terms and is in nonaccrual status. This loan is considered impaired, and we have charged off $53,000 in the current quarter. At December 31, 2011, we had one loan with a balance of $384,000 that is considered a trouble debt restructuring, and we have taken a specific reserve of $50,000. At March 31, 2011, we did not have any loans that were considered troubled debt restructurings.

XML 23 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements
9 Months Ended
Dec. 31, 2011
Fair Value Measurements

Note 8. Fair Value Measurements

 

Accounting guidance defines fair value to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. These standards have also established a three-level hierarchy for fair value measurements based upon the inputs to the valuation of an asset or liability.

 

· Level 1 — Valuation is based on quoted prices in active markets for identical assets and liabilities.

 

 

· Level 2 — Valuation is determined from quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar instruments in markets that are not active or by model-based techniques in which all significant inputs are observable in the market.
· Level 3 — Valuation is derived from model-based techniques in which at least one significant input is unobservable and based on the Bank’s own estimates about the assumptions that market participants would use to value the asset or liability.

 

Investment securities available-for-sale are the only financial assets measured at fair value on a recurring basis. As of December 31, 2011 and March 31, 2011, the fair values were measured using the following methodologies:

 

    December 31, 2011  
    Level 1     Level 2     Level 3     Total  
Investment securities available-for-sale:                                
U.S. Government agencies   $ 1,599,925     $ 1,758,132     $ 0     $ 3,358,057  
Brokered certificates of deposit     6,548,521       0       0       6,548,521  
Mortgage-backed securities (Agency)     7,230,506       30,346,617       0       37,577,123  
Collateralized mortgage obligations (Agency)     3,105,002       4,946,663       0       8,051,665  
    $ 18,483,954     $ 37,051,412     $ 0     $ 55,535,366  

 

    March 31, 2011  
    Level 1     Level 2     Level 3     Total  
Investment securities available-for-sale:                                
U.S. Government agencies   $ 3,601,607     $ 6,553,700     $ 0     $ 10,155,307  
Brokered certificates of deposit     4,776,597       0       0       4,776,597  
Mortgage-backed securities (Agency)     1,367,178       31,646,558       2,726       33,016,462  
Collateralized mortgage obligations (Agency)     785,161       3,182,752       518,613       4,486,526  
Collateralized mortgage obligations (Nonagency)     0       190,077       0       190,077  
    $ 10,530,543     $ 41,573,087     $ 521,339     $ 52,624,969  

 

The following table represents a roll-forward of the amounts for the nine months ended December 31, 2011 and the year ended March 31, 2011, for financial instruments classified by Madison within Level 3 of the valuation hierarchy.

 

    For the Nine
Months Ended
December 31,
2011
    For the Year
Ended
March 31,
2011
 
             
Balance at beginning of the period   $ 521,339     $ 3,623  
Total realized and unrealized gains and losses:                
Included in net income     0       0  
Included in other comprehensive income     0       0  
Purchases     0       529,984  
Sales     (2,246 )     0  
Paydowns     (480 )     (12,268 )
Transfers in and/or out of Level 3     (518,613 )     0  
Balance at the end of the period   $ 0     $ 521,339  

  

The one security included in the table above as transferred out of Level 3 was newly issued for the quarter ended March 31, 2011 and was therefore not valued yet by the third party valuation service. The security was seasoned enough for the third party valuation service to provide a fair value for the quarter ended September 30, 2011, and was transferred out of Level 3.

 

The Bank measures its other real estate owned on a nonrecurring basis at fair value less cost to sell. Cost to sell the real estate was based on standard market factors. The Bank has categorized its foreclosed real estate as Level 3. During the second quarter, Madison sold the one property that they had in other real estate owned.

 

The bank measures its impaired assets on a nonrecurring basis at fair value and has categorized them at Level 3. The Bank does not measure the fair value of its other financial assets or liabilities on a recurring or nonrecurring basis.

 

The estimated fair values of financial instruments are as follows:

 

    December 31, 2011     March 31, 2011  
(dollars in thousands)   Carrying
Amount
    Estimated
Fair Value
    Carrying
Amount
    Estimated
Fair Value
 
Assets:                                
Cash and cash equivalents   $ 6,219     $ 6,219     $ 8,183     $ 8,183  
Certificates of deposit     736       736       483       483  
Investment securities     55,535       55,535       52,625       52,625  
Loans, net     84,348       84,450       86,178       86,250  
Ground rents, net     420       290       454       313  
Total financial assets   $ 147,258     $ 147,230     $ 147,923     $ 147,854  

 

    December 31, 2011     March 31, 2011  
    Carrying
Amount
    Estimated
Fair Value
    Carrying
Amount
    Estimated
Fair Value
 
Liabilities:                                
Deposits   $ 137,671     $ 139,042     $ 139,518     $ 141,281  
Advances from borrowers for taxes and insurance     250       250       558       558  
Total financial liabilities   $ 137,921     $ 139,292     $ 140,076     $ 141,839  

 

The following methods and assumptions were used to estimate the fair value disclosures for financial instruments as of December 31, 2011 and March 31, 2011:

 

Cash and cash equivalents: The amounts reported at carrying amount approximate the fair value of these assets.

 

Certificates of deposit: The amounts reported at carrying amount approximate the fair value of these assets.

 

Investment securities: The fair values are based on the quoted market values or values of securities with similar rates and terms. The fair values are provided to the Bank by a third party.

 

Loans, net: We estimate the fair value of loans by discounting future cash flows using current rates for which we would make similar loans to borrowers with similar credit histories.

  

Ground rents, net: The fair values are based on limited information regarding recent sales of similar assets.

 

Deposits: The fair value of demand deposits and savings accounts is the amount payable on demand. We estimate the fair value of fixed maturity certificates of deposit using the rates currently offered for deposits of similar remaining maturities.

 

Advances from borrowers for taxes and insurance: The amounts reported at carrying amount approximate the fair value of these assets.

XML 24 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Borrowings
9 Months Ended
Dec. 31, 2011
Borrowings

Note 6. Borrowings

 

At December 31, 2011, the Bank had the ability to borrow a total of approximately $30.5 million from the Federal Home Loan Bank of Atlanta, and the Bank has a $4.1 million line of credit with a large financial institution. The FHLB borrowing requires us to pledge mortgage loans as collateral, and the line of credit requires us to pledge brokered CD’s or US Government Agency securities. At December 31, 2011, we had no Federal Home Loan Bank advances outstanding or borrowings on the line of credit. The rates on both borrowing lines will be determined at the time of an advance.

XML 25 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk
9 Months Ended
Dec. 31, 2011
Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk

Note 7. Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk

 

In the normal course of business, the Bank has various outstanding commitments and contingent liabilities that are not reflected in the accompanying financial statements. Loan commitments and lines of credit are agreements to lend to a customer as long as there is no violation of any condition to the contract. Mortgage loan commitments generally have fixed interest rates, fixed expiration dates, and may require payment of a fee. Other loan commitments generally have fixed interest rates. Commitments to purchase loans do not represent future cash requirements, as it is unlikely all loans will be closed prior to the expiration of the commitment. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will draw upon their lines in full at any time. Letters of credit are commitments issued to guarantee the performance of a customer to a third party.

 

The Bank’s maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the credit commitment. Loan commitments, lines of credit, and letters of credit are made on the same terms, including collateral, as outstanding loans. Management is not aware of any accounting loss to be incurred by funding these loan commitments.

 

The Bank had outstanding firm commitments to originate, fund, or purchase loans as follows:

 

    December 31,
2011
    March 31,
 2011
 
             
Mortgage loans commitments – fixed rate   $ 822,724     $ 2,780,080  
Mortgage loans commitments – variable rate     3,365,592       4,284,968  
Commitments to originate nonmortgage loans     43,000       0  
Commitments to purchase loans     0       606,813  
Unused equity lines of credit (variable rate)     1,980,935       1,554,378  
Commercial and consumer lines of credit     742,156       801,645  
Standby letters of credit     675,023       472,708  
Total   $ 7,629,430     $ 10,500,592
XML 26 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Capital Ratios for Madison Square Federal Savings Bank
9 Months Ended
Dec. 31, 2011
Regulatory Capital Ratios for Madison Square Federal Savings Bank

Note 9. Regulatory Capital Ratios for Madison Square Federal Savings Bank

 

          Minimum     To Be Well  
    Actual     Requirements     Capitalized  
(dollars in thousands)   Amount     %     Amount     %     Amount     %  
                                     
As of December 31, 2011:                                                
Total risk-based capital (to risk-weighted assets)   $ 12,727       16.6 %   $ 6,144       8.0 %   $ 7,380       10.0 %
Tier I capital (to risk-weighted assets)     12,070       15.7       N/A       N/A       4,608       6.0  
Tier I capital (to adjusted total assets)     12,070       8.0       6,068       4.0       7,585       5.0  
                                                 
As of March 31, 2011:                                                
Total risk-based capital (to risk-weighted assets)   $ 12,531       16.7 %   $ 6,010       8.0 %   $ 7,512       10.0 %
Tier I capital (to risk-weighted assets)     11,963       15.9       N/A       N/A       4,507       6.0  
Tier I capital (to adjusted total assets)     11,963       7.8       6,157       4.0       7,696       5.0
XML 27 R5.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Comprehensive Income (USD $)
3 Months Ended 9 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2011
Dec. 31, 2010
Net income (loss) $ 18,020 $ 1,561 $ 21,504 $ (15,767)
Securities available for sale:        
Change in net unrealized gain / loss during the period (52,304) (564,098) 873,739 (164,800)
Reclassification adjustment for gains/ losses in net income (loss) (53,990) (62,261) (92,465) (118,639)
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax, Total (106,294) (626,359) 781,274 (283,439)
Securities available for sale:        
Change in net unrealized gain / loss during the period (20,631) (222,509) 344,647 (65,005)
Reclassification adjustment for gains/ losses in net income (loss) (21,297) (24,559) (36,473) (46,797)
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax (41,928) (247,068) 308,174 (111,802)
Other comprehensive income (loss), net of tax (64,366) (379,291) 473,100 (171,637)
Comprehensive income (loss) $ (46,346) $ (377,730) $ 494,604 $ (187,404)
XML 28 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities
9 Months Ended
Dec. 31, 2011
Investment Securities

Note 3. Investment Securities

 

The amortized cost and estimated fair value of investment securities at December 31, 2011 and March 31, 2011, are summarized as follows:

 

    Amortized
Cost
    Gross
Unrealized
Gains
    Gross
Unrealized
Losses
    Estimated
Fair Value
 
December 31, 2011                                
Investment securities available-for-sale:                                
U.S. government agencies   $ 3,352,028     $ 6,041     $ 12     $ 3,358,057  
Brokered certificates of deposit     6,562,173       2,613       16,265       6,548,521  
Mortgage-backed securities (Agency)     37,058,015       530,866       11,758       37,577,123  
Collateralized mortgage obligations (Agency)     8,031,786       26,473       6,594       8,051,665  
    $ 55,004,002     $ 565,993     $ 34,629     $ 55,535,366  

 

    Amortized
Cost
    Gross
Unrealized
Gains
    Gross
Unrealized
Losses
    Estimated
Fair Value
 
March 31, 2011                                
Investment securities available-for-sale:                                
U.S. government agencies   $ 10,233,047     $ 6,989     $ 84,729     $ 10,155,307  
Brokered certificates of deposit     4,785,434       5,149       13,986       4,776,597  
Mortgage-backed securities (Agency)     33,117,844       315,611       416,993       33,016,462  
Collateralized mortgage obligations (Agency)     4,475,445       18,513       7,432       4,486,526  
Collateralized mortgage obligations (Nonagency)     263,109       5,872       78,904       190,077  
    $ 52,874,879     $ 352,134     $ 602,044     $ 52,624,969  

 

The bank has arranged for a $4.1 million line of credit for liquidity to meet expected and unexpected cash needs with a large financial institution. Any advances would be collateralized by the broker certificates of deposit and various U.S. Government Agency securities. As of December 31, 2011 and March 31, 2011, there were no borrowings or securities pledged under this line of credit.

  

The following is a summary of contractual maturities of securities available-for-sale as of December 31, 2011:

 

    Available-for-Sale  
    Amortized     Estimated  
    Cost     Fair Value  
Amounts maturing in:                
One year or less   $ 3,666,173     $ 3,667,022  
After one year through five years     3,746,000       3,735,020  
After five years through ten years     2,002,028       2,004,537  
After ten years     500,000       499,999  
      9,914,201       9,906,578  
                 
Mortgage-backed securities (Agency)     37,058,015       37,577,123  
Collateralized mortgage obligations (Agency)     8,031,786       8,051,665  
    $ 55,004,002     $ 55,535,366  

 

Proceeds from sales of investment securities were $21.7 million and $5.7 million during the nine months ended December 31, 2011 and 2010, respectively with gains of $394,000 and losses of $302,000 for the nine months ended December 31, 2011 and gains of $175,000 and losses of $56,000 for the nine months ended December 31, 2010.

 

The following table presents Madison’s investments’ gross unrealized losses and the corresponding fair values by investment category and length of time that the securities have been in a continuous unrealized loss position at December 31, 2011.

 

    Less than 12 Months     12 Months or More     Total  
December 31, 2011   Estimated
Fair Value
    Gross
Unrealized
Losses
    Estimated
Fair Value
    Gross
Unrealized
Losses
    Estimated
Fair Value
    Gross
Unrealized
Losses
 
                                     
Investment securities available-for-sale:                                                
U.S. Government agencies   $ 752,016     $ 12     $ 0     $ 0     $ 752,016     $ 12  
Brokered certificates of deposit     2,496,533       14,467       855,202       1,798       3,351,735       16,265  
Mortgage-backed securities (Agency)     3,714,429       11,758       0       0       3,714,429       11,758  
Collateralized mortgage obligations (Agency)     1,391,275       3,920       423,101       2,674       1,814,376       6,594  
    $ 8,354,253     $ 30,157     $ 1,278,303     $ 4,472     $ 9,632,556     $ 34,629  

 

The gross unrealized losses are not considered by management to be other-than-temporary impairments. Management has the intent and ability to hold these securities until maturity. In most cases, temporary impairment is caused by market interest rate fluctuations.

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