Accumulated Other Comprehensive Income (Loss)

12 Months Ended

Dec. 31, 2012

Accumulated Other Comprehensive Income (Loss)

19. Accumulated Other Comprehensive Income (Loss)

Accumulated other comprehensive income (loss) represents cumulative gains and losses that are not reflected in earnings. The components of other comprehensive income (loss) are as follows:

Year Ended December 31,	2012						2011						2010
	Before		Tax		Net of		Before		Tax		Net of		Before		Tax		Net of
	tax		effect		tax		tax		effect		tax		tax		effect		tax
Change in net unrealized gain on
Securities available for sale:
Net unrealized gain	$	470	$	(177)	$	293	$	(43)	$	16	$	(27)	$	300	$	(115)	$	185
Reclassification of impairment charges included in earnings		32		(12)		20		31		(12)		19		36		(14)		22
Other reclassifications included in earnings		(38)		14		(24)		1		-		1		1		-		1
Change in net unrealized gain on securities available for sale		464		(175)		289		(11)		4		(7)		337		(129)		208
Other		1		-		1		(1)		-		(1)		(1)		-		(1)
Other comprehensive (loss) income	$	465	$	(175)	$	290	$	(12)	$	4	$	(8)	$	336	$	(129)	$	207

Accumulated other comprehensive income (loss) balances are as follows:

					Total
	Net unrealized gain				accumulated other
	on securities available for sale		Other		comprehensive income
Balance at December 31, 2009	$	(191)	$	-	$	(191)
Other net changes		208		(1)		207
Balance at December 31, 2010	$	17	$	(1)	$	16
Other net changes		(7)		(1)		(8)
Balance at December 31, 2011	$	10	$	(2)	$	8
Other net changes		289		1		290
Balance at December 31, 2012	$	299	$	(1)	$	298