0001144204-13-015676.txt : 20130318 0001144204-13-015676.hdr.sgml : 20130318 20130318123347 ACCESSION NUMBER: 0001144204-13-015676 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20121231 FILED AS OF DATE: 20130318 DATE AS OF CHANGE: 20130318 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SANDY SPRING BANCORP INC CENTRAL INDEX KEY: 0000824410 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 520312970 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-19065 FILM NUMBER: 13696751 BUSINESS ADDRESS: STREET 1: 17801 GEORGIA AVE CITY: OLNEY STATE: MD ZIP: 20832 BUSINESS PHONE: 3017746400 MAIL ADDRESS: STREET 1: 17801 GEORGIA AVENUE CITY: OLNEY STATE: MD ZIP: 20832 10-K 1 v334103_10k.htm FORM 10-K

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-K

 

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the Fiscal Year Ended December 31, 2012

 

Commission File Number 0-19065

SANDY SPRING BANCORP, INC.

(Exact name of registrant as specified in its charter)

 

Maryland 52-1532952

(State or other jurisdiction of

incorporation or organization)

(I.R.S. Employer

Identification No.)

 

17801 Georgia Avenue, Olney, Maryland 20832
(Address of principal executive offices) (Zip Code)

 

301-774-6400

(Registrant's telephone number, including area code)

 

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Name of each exchange on which registered
Common Stock, par value $1.00 per share The NASDAQ Stock Market, LLC

 

Securities registered pursuant to Section 12(g) of the Act: None.

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

¨ Yes x No

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

¨ Yes x No*

 

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. x Yes ¨ No

 

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

 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. ¨

 

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 definitions 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 x    Non-accelerated filer ¨    Smaller reporting company ¨

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). ¨ Yes    x No

 

The aggregate market value of the voting common stock of the registrant held by non-affiliates on June 30, 2012, the last day of the registrant’s most recently completed second fiscal quarter was approximately $438 million, based on the closing sales price of $18.00 per share of the registrant's Common Stock on that date.

 

The number of outstanding shares of common stock outstanding as of March 4, 2013.

Common stock, $1.00 par value – 24,909,565 shares

 

Documents Incorporated By Reference

Part III: Portions of the definitive proxy statement for the Annual Meeting of Shareholders to be held on May 1, 2013 (the "Proxy Statement").

 

 

* The registrant is required to file reports pursuant to Section 13 of the Act.

 

 
 

 

SANDY SPRING BANCORP, INC.

Table of Contents

 

Forward-Looking Statements 2
PART I.  
Item 1. Business 3
Item 1A. Risk Factors 14
Item 1B. Unresolved Staff Comments 19
Item 2. Properties 19
Item 3. Legal Proceedings 19
Item 4. Mine Safety Disclosures 19
   
PART II.  
Item 5. Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 19
Item 6. Selected Financial Data 22
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 23
Item 7A. Quantitative and Qualitative Disclosures About Market Risk 49
Item 8. Financial Statements and Supplementary Data 50
  Reports of Independent Registered Public Accounting Firm 51
  Consolidated Financial Statements 53
  Notes to the Consolidated Financial Statements 58
Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure 110
Item 9A. Controls and Procedures 110
Item 9B. Other Information 110
   
PART III.  
Item 10. Directors, Executive Officers and Corporate Governance 110
Item 11. Executive Compensation 110
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 110
Item 13. Certain Relationships and Related Transactions and Director Independence 110
Item 14. Principal Accounting Fees and Services 110
   
PART IV.  
Item 15. Exhibits, Financial Statement Schedules 111
Signatures 113

 

 
 

 

 

Forward-Looking Statements

 

This Annual Report Form 10-K, as well as other periodic reports filed with the Securities and Exchange Commission, and written or oral communications made from time to time by or on behalf of Sandy Spring Bancorp and its subsidiaries (the “Company”), may contain statements relating to future events or future results of the Company that are considered “forward-looking statements” under the Private Securities Litigation Reform Act of 1995. These forward-looking statements may be identified by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “estimate,” “intend” and “potential,” or words of similar meaning, or future or conditional verbs such as “should,” “could,” or “may.” Forward-looking statements include statements of our goals, intentions and expectations; statements regarding our business plans, prospects, growth and operating strategies; statements regarding the quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits.

 

Forward-looking statements reflect our expectation or prediction of future conditions, events or results based on information currently available. These forward-looking statements are subject to significant risks and uncertainties that may cause actual results to differ materially from those in such statements. These risk and uncertainties include, but are not limited to, the risks identified in Item 1A of this report and the following:

 

·general business and economic conditions nationally or in the markets that the Company serves could adversely affect, among other things, real estate prices, unemployment levels, and consumer and business confidence, which could lead to decreases in the demand for loans, deposits and other financial services that we provide and increases in loan delinquencies and defaults;

 

·changes or volatility in the capital markets and interest rates may adversely impact the value of securities, loans, deposits and other financial instruments and the interest rate sensitivity of our balance sheet as well as our liquidity;

 

·our liquidity requirements could be adversely affected by changes in our assets and liabilities;

 

·our investment securities portfolio is subject to credit risk, market risk, and liquidity risk as well as changes in the estimates we use to value certain of the securities in our portfolio;

 

·the effect of legislative or regulatory developments including changes in laws concerning taxes, banking, securities, insurance and other aspects of the financial services industry;

 

·competitive factors among financial services companies, including product and pricing pressures and our ability to attract, develop and retain qualified banking professionals;

 

·the effect of changes in accounting policies and practices, as may be adopted by the Financial Accounting Standards Board, the Securities and Exchange Commission, the Public Company Accounting Oversight Board and other regulatory agencies; and

 

·the effect of fiscal and governmental policies of the United States federal government.

 

Forward-looking statements speak only as of the date of this report. We do not undertake to update forward-looking statements to reflect circumstances or events that occur after the date of this report or to reflect the occurrence of unanticipated events except as required by federal securities laws.

 

2
 

 

PART I

 

Item 1. BUSINESS

 

General

Sandy Spring Bancorp, Inc. (the “Company") is the one-bank holding company for Sandy Spring Bank (the "Bank"). The Company is registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the "Holding Company Act"). As such, the Company is subject to supervision and regulation by the Board of Governors of the Federal Reserve System (the "Federal Reserve"). The Company began operating in 1988. The Bank was founded in 1868 and is the oldest banking business based in Maryland. The Bank is independent, community oriented, and conducts a full-service commercial banking business through 49 community offices located in Central Maryland and Northern Virginia. The Bank is a state chartered bank subject to supervision and regulation by the Federal Reserve and the State of Maryland. The Bank's deposit accounts are insured by the Deposit Insurance Fund administered by the Federal Deposit Insurance Corporation (the "FDIC") to the maximum permitted by law. The Bank is a member of the Federal Reserve System and is an Equal Housing Lender. The Company, the Bank, and its other subsidiaries are Affirmative Action/Equal Opportunity Employers.

 

With $4.0 billion in assets, the Company is the largest publicly traded banking company headquartered and operating in Maryland. Through its subsidiaries, Sandy Spring Insurance Corporation and West Financial Services, Inc., Sandy Spring Bank also offers a comprehensive menu of insurance and investment management services.

 

The Company's and the Bank's principal executive office is located at 17801 Georgia Avenue, Olney, Maryland 20832, and its telephone number is 301-774-6400.

 

Availability of Information

This report is not part of the proxy materials; it is provided along with the annual proxy statement for convenience of use and as an expense control measure. The Company makes available through the Investor Relations area of the Company website, at www.sandyspringbank.com, annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and any amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934. Access to these reports is provided by means of a link to a third-party vendor that maintains a database of such filings. In general, the Company intends that these reports be available as soon as practicable after they are filed with or furnished to the Securities and Exchange Commission (“SEC”). Technical and other operational obstacles or delays caused by the vendor may delay their availability. The SEC maintains a website (www.sec.gov) where these filings also are available through the SEC’s EDGAR system. There is no charge for access to these filings through either the Company’s site or the SEC’s site.

 

Market and Economic Overview

Sandy Spring Bank is headquartered in Montgomery County, Maryland and conducts business primarily in Central Maryland and Northern Virginia. The Bank’s business footprint serves one of the better performing business regions in the country. Among combined metro areas in the U.S., the Washington-Baltimore-Northern Virginia Combined Statistical Area ranked third annually in total “Effective Buying Income”, with $242 billion according to the Maryland Department of Business & Economic Development. At June 30, 2012, with $2.6 billion of deposits in Maryland, Sandy Spring Bancorp had the largest deposit market share of any bank holding company headquartered in Maryland according to SNL Financial. The Baltimore-Washington area is a regional center for federal and state government services, service oriented businesses and various industries. Both areas are accessible to the fifth largest deepwater harbor in the nation, and have proximity to a large network of interstate and well maintained highways. As a consequence, the area is also a major provider of warehouse operations for retail distribution and logistics providers. Additionally, the region also has a high concentration of third party government service providers, in addition to hosting a robust technology sector. The employment in the health and education industries is also significant. On a consolidated basis, the area possesses a diverse blue-collar to white-collar business environment.

 

Maryland has the highest state median household income in the country at $70,004 for 2011, according to the U.S. Census Bureau. To complement its presence in the Maryland market, the Bank is expanding its number of community offices in Northern Virginia, which is home to nearly 2.6 million people. The Baltimore-Washington area has five out of the top ten most affluent counties in the United States, as measured by median household income, according to the U.S. Census Bureau. The Company’s geographical location provides access to key neighboring markets such as Philadelphia, New York City, Pittsburgh and the Richmond/Norfolk, Virginia corridor. The market area currently benefits from the presence and employment stability of the federal government and related service industries.

 

3
 

 

While the local economy continues to feel the lingering impact of the recent recession, the regional unemployment rate has remained below the national average according to the Bureau of Labor Statistics as of December, 2012. The workforce is relatively stable due to government and related employment opportunities and the presence of a diverse manufacturing base and service industries, and a better than average regional economic outlook. At year-end 2012 economic metrics on retail sales, mortgage delinquencies, office vacancies, personal income and median family income indicated generally positive economic signals when compared to the other areas of the United States. Management believes the regional economy has turned around and will continue to experience further recovery and expansion. Management believes that as the economy continues to recover, growth opportunities will present themselves that the Company can take advantage of while adequately managing credit risk.

 

Loan and Lease Products

The Company currently offers a complete menu of loan and lease products primarily in our identified market footprint that are discussed in detail below and on the following pages. These following sections should be read in conjunction with the section “Credit Risk” on page 40 of this report.

 

Residential Real Estate Loans

The residential real estate category contains loans principally to consumers secured by residential real estate. The Company's residential real estate lending policy requires each loan to have viable repayment sources. Residential real estate loans are evaluated for the adequacy of these repayment sources at the time of approval, based upon measures including credit scores, debt-to-income ratios, and collateral values. Credit risk for residential real estate loans arises from borrowers lacking the ability or willingness to repay the loan or by a shortfall in the value of the residential real estate in relation to the outstanding loan balance in the event of a default and subsequent liquidation of the real estate collateral. The residential real estate portfolio includes both conforming and non-conforming mortgage loans.

 

Conforming mortgage loans represent loans originated in accordance with underwriting standards set forth by the government-sponsored entities (“GSEs”), including the Federal National Mortgage Association (“Fannie Mae”), the Federal Home Loan Mortgage Company (“Freddie Mac”), and the Government National Mortgage Association (“Ginnie Mae”), which serve as the primary purchasers of loans sold in the secondary mortgage market by mortgage lenders. These loans are generally collateralized by one-to-four-family residential real estate, have loan-to-collateral value ratios of 80% or less or have mortgage insurance to insure down to 80%, and are made to borrowers in good credit standing. Substantially all fixed-rate conforming loans originated are sold in the secondary mortgage market. For any loans retained by the Company, title insurance insuring the priority of its mortgage lien, as well as fire and extended coverage casualty insurance protecting the properties securing the loans is required. Borrowers may be required to advance funds, with each monthly payment of principal and interest, to a loan escrow account from which the Company makes disbursements for items such as real estate taxes and mortgage insurance premiums. Appraisers approved by the Company appraise the properties securing substantially all of the Company's residential mortgage loans.

 

Non-conforming mortgage loans represent loans that generally are not saleable in the secondary market to the GSEs for inclusion in conventional mortgage-backed securities due to the credit characteristics of the borrower, the underlying documentation, the loan-to-value ratio, or the size of the loan, among other factors. The Company originates non-conforming loans for its own portfolio and for sale to third-party investors, usually large mortgage companies, under commitments by the mortgage company to purchase the loans subject to compliance with pre-established investor criteria. Non-conforming loans generated for sale include loans that may not be underwritten using customary underwriting standards. These loans typically are held after funding for thirty days or less, and are included in residential mortgages held for sale. The Company's current practice is to sell both conforming and non-conforming loans on a servicing released basis.

 

The Company makes residential real estate development and construction loans generally to provide interim financing on property during the development and construction period. Borrowers include builders, developers and persons who will ultimately occupy the single-family dwelling. Residential real estate development and construction loan funds are disbursed periodically as pre-specified stages of completion are attained based upon site inspections. Interest rates on these loans are usually adjustable. Loans to individuals for the construction of primary personal residences are typically secured by the property under construction, frequently include additional collateral (such as a second mortgage on the borrower's present home), and commonly have maturities of six to twelve months. The Company attempts to obtain the permanent mortgage loan under terms, conditions and documentation standards that permit the sale of the mortgage loan in the secondary mortgage loan market.

 

Commercial Loans and Leases

Included in this category are commercial real estate loans, commercial construction loans, leases and other commercial loans. Over the years, the Company’s commercial loan clients have come to represent a diverse cross-section of small to mid-size local businesses within our market footprint, whose owners and employees are often established Bank customers. Such banking relationships are a natural business for the Company, with its long-standing community roots and extensive experience in serving and lending to this market segment.

 

4
 

 

Commercial loans are evaluated for the adequacy of repayment sources at the time of approval and are regularly reviewed for any possible deterioration in the ability of the borrower to repay the loan. Collateral generally is required to provide the Company with an additional source of repayment in the event of default by a commercial borrower. The structure of the collateral package, including the type and amount of the collateral, varies from loan to loan depending on the financial strength of the borrower, the amount and terms of the loan, and the collateral available to be pledged by the borrower, but generally may include real estate, accounts receivable, inventory, equipment or other assets. Loans also may be supported by personal guarantees from the principals of the commercial loan borrowers. The financial condition and cash flow of commercial borrowers are closely monitored by the submission of corporate financial statements, personal financial statements and income tax returns. The frequency of submissions of required information depends upon the size and complexity of the credit and the collateral that secures the loan. Credit risk for commercial loans arises from borrowers lacking the ability or willingness to repay the loan, and in the case of secured loans, by a shortfall in the collateral value in relation to the outstanding loan balance in the event of a default and subsequent liquidation of collateral. The Company has no commercial loans to borrowers in similar industries that exceed 10% of total loans.

 

Included in commercial loans are credits directly originated by the Company and syndicated transactions or loan participations that are originated by other lenders. The Company's commercial lending policy requires each loan, regardless of whether it is directly originated or is purchased, to have viable repayment sources. The risks associated with syndicated loans or purchased participations are similar to those of directly originated commercial loans, although additional risk may arise from the limited ability to control actions of the primary lender. Shared National Credits (SNC), as defined by the banking regulatory agencies, represent syndicated lending arrangements with three or more participating financial institutions and credit exceeding $20.0 million in the aggregate. As of December 31, 2012, the Company had $9.3 million in SNC purchased outstanding and no SNC sold outstanding. During 2012, the Company’s primary regulator completed its annual SNC examination. As a result of this review no action was required on the Company’s SNC participations.

 

The Company also sells participations in loans it originates to other financial institutions in order to build long-term customer relationships or limit loan concentration. Strict policies are in place governing the degree of risk assumed and volume of loans held. At December 31, 2012, other financial institutions had $10.7 million in outstanding commercial and commercial real estate loan participations sold by the Company, and the Company had $36.6 million in outstanding commercial and commercial real estate loan participations purchased from other lenders, excluding SNC participations.

 

The Company's commercial real estate loans consist of both loans secured by owner occupied properties and non-owner occupied where an established banking relationship exists and involves investment properties for warehouse, retail, and office space with a history of occupancy and cash flow. The commercial real estate category contains mortgage loans to developers and owners of commercial real estate. Commercial real estate loans are governed by the same lending policies and subject to credit risk as previously described for commercial loans. Commercial real estate loans secured by owner-occupied properties are based upon the borrower’s financial health and the ability of the borrower and the business to repay. The Company seeks to reduce the risks associated with commercial mortgage lending by generally lending in its market area, using conservative loan-to-value ratios and obtaining periodic financial statements and tax returns from borrowers to perform loan reviews. It is also the Company's general policy to obtain personal guarantees from the principals of the borrowers and to underwrite the business entity from a cash flow perspective. Interest rate risks are mitigated by using either floating interest rates or by fixing rates for a short period of time, generally less than three years. While loan amortizations may be approved for up to 300 months, each loan generally has a call provision (maturity date) of five years or less.

 

The Company primarily lends for commercial construction in local markets that are familiar and understandable, works selectively with top-quality builders and developers, and requires substantial equity from its borrowers. The underwriting process is designed to confirm that the project will be economically feasible and financially viable; it is generally evaluated as though the Company will provide permanent financing. The Company's portfolio growth objectives do not include speculative commercial construction projects or projects lacking reasonable proportionate sharing of risk. Development and construction loans are secured by the properties under development or construction, and personal guarantees are typically obtained. Further, to assure that reliance is not placed solely upon the value of the underlying collateral, the Company considers the financial condition and reputation of the borrower and any guarantors, the amount of the borrower's equity in the project, independent appraisals, cost estimates and pre-construction sales information. A risk rating system is used on the commercial loan portfolio to determine any exposures to losses.

 

5
 

 

Acquisition, development and construction loans to residential builders are generally made for the construction of residential homes for which a binding sales contract exists and the prospective buyers had been pre-qualified for permanent mortgage financing by either third-party lenders (mortgage companies or other financial institutions) or the Company. Loans for the development of residential land are extended when evidence is provided that the lots under development will be or have been sold to builders satisfactory to the Company. These loans are generally extended for a period of time sufficient to allow for the clearing and grading of the land and the installation of water, sewer and roads, which is typically a minimum of eighteen months to three years.

 

The Company makes commercial business loans. Commercial term loans are made to provide funds for equipment and general corporate needs. This loan category is designed to support borrowers who have a proven ability to service debt over a term generally not to exceed 84 months. The Company generally requires a first lien position on all collateral and requires guarantees from owners having at least a 20% interest in the involved business. Interest rates on commercial term loans are generally floating or fixed for a term not to exceed five years. Management monitors industry and collateral concentrations to avoid loan exposures to a large group of similar industries or similar collateral. Commercial business loans are evaluated for historical and projected cash flow attributes, balance sheet strength, and primary and alternate resources of personal guarantors. Commercial term loan documents require borrowers to forward regular financial information on both the business and personal guarantors. Loan covenants require at least annual submission of complete financial information and in certain cases this information is required monthly, quarterly or semi-annually depending on the degree to which the Company desires information resources for monitoring a borrower’s financial condition and compliance with loan covenants. Examples of properly margined collateral for loans, as required by bank policy, would be a 75% advance on the lesser of appraisal or recent sales price on commercial property, an 80% or less advances on eligible receivables, a 50% or less advances on eligible inventory and an 80% advance on appraised residential property. Collateral borrowing certificates may be required to monitor certain collateral categories on a monthly or quarterly basis. Loans may require personal guarantees. Key person life insurance may be required as appropriate and as necessary to mitigate the risk of loss of a primary owner or manager. Whenever appropriate and available, the Bank seeks governmental loan guarantees, such as the Small Business Administration loan programs, to reduce risks.

 

Commercial lines of credit are granted to finance a business borrower’s short-term credit needs and/or to finance a percentage of eligible receivables and inventory. In addition to the risks inherent in term loan facilities, line of credit borrowers typically require additional monitoring to protect the lender against increasing loan volumes and diminishing collateral values. Commercial lines of credit are generally revolving in nature and require close scrutiny. The Company generally requires at least an annual out of debt period (for seasonal borrowers) or regular financial information (monthly or quarterly financial statements, borrowing base certificates, etc.) for borrowers with more growth and greater permanent working capital financing needs. Advances against collateral value are limited. Lines of credit and term loans to the same borrowers generally are cross-defaulted and cross-collateralized. Interest rate charges on this group of loans generally float at a factor at or above the prime lending rate.

 

Consumer Loans

Consumer lending continues to be important to the Company’s full-service, community banking business. This category of loans includes primarily home equity loans and lines, installment loans, personal lines of credit and marine loans.

 

The home equity category consists mainly of revolving lines of credit to consumers that are secured by residential real estate. Home equity lines of credit and other home equity loans are originated by the Company for typically up to 90% of the appraised value, less the amount of any existing prior liens on the property. While home equity loans have maximum terms of up to twenty years and interest rates are generally fixed, home equity lines of credit have maximum terms of up to ten years for draws and thirty years for repayment, and interest rates are generally adjustable. The Company secures these loans with mortgages on the homes (typically a second mortgage). Purchase money second mortgage loans originated by the Company have maximum terms ranging from ten to thirty years. These loans generally carry a fixed rate of interest for the entire term or a fixed rate of interest for the first five years, re-pricing every five years thereafter at a predetermined spread to the prime rate of interest. Home equity lines are generally governed by the same lending policies and subject to credit risk as described above for residential real estate loans.

 

Other consumer loans include installment loans used by customers to purchase automobiles, boats and recreational vehicles. These consumer loans are generally governed by the same overall lending policies as described for residential real estate. Credit risk for consumer loans arises from borrowers lacking the ability or willingness to repay the loan, and in the case of secured loans, by a shortfall in the value of the collateral in relation to the outstanding loan balance in the event of a default and subsequent liquidation of collateral.

 

Consumer installment loans are generally offered for terms of up to five years at fixed interest rates. Automobile loans can be for up to 100% of the purchase price or the retail value listed by the National Automobile Dealers Association. The terms of the loans are determined by the age and condition of the collateral. Collision insurance policies are required on all these loans, unless the borrower has substantial other assets and income. The Company also makes other consumer loans, which may or may not be secured. The term of the loans usually depends on the collateral. Unsecured loans usually do not exceed $50 thousand and have a term of no longer than 36 months.

 

6
 

 

Deposit Activities

Subject to the Company’s Asset/Liability Committee (the “ALCO”) policies and current business plan, the Treasury function works closely with the Company’s retail deposit operations to accomplish the objectives of maintaining deposit market share within the Company’s primary markets and managing funding costs to preserve the net interest margin.

 

One of the Company’s primary objectives as a community bank is to develop long-term, multi-product customer relationships from its comprehensive menu of financial products. To that end, the lead product to develop such relationships is typically a deposit product. Deposit growth will be relied upon to fund long-term future loan growth as the economy recovers.

 

Treasury Activities

The Treasury function manages the wholesale segments of the balance sheet, including investments, purchased funds and long-term debt, and is responsible for all facets of interest rate risk management for the Company, which includes the pricing of deposits consistent with conservative interest rate risk and liquidity practices. Management’s objective is to achieve the maximum level of consistent earnings over the long term, while minimizing interest rate risk, credit risk and liquidity risk and optimizing capital utilization. In managing the investment portfolio under its stated objectives, the Company invests primarily in U. S. Treasury and Agency securities, U.S Agency mortgage-backed securities (“MBS”), U.S. Agency Collateralized Mortgage Obligations (“CMO”), municipal bonds and to a minimal extent, trust preferred securities and corporate bonds. Treasury strategies and activities are overseen by the Credit and Investment Risk Committee of the board of directors, ALCO and the Company’s Investment Committee, which reviews all investment and funding transactions. The ALCO activities are summarized and reviewed monthly with the Company’s board of directors.

 

The primary objective of the investment portfolio is to provide the necessary liquidity consistent with anticipated levels of deposit funding and loan demand with a minimal level of risk. The short overall average duration of 3.4 years of the investment portfolio together with the types of investments (92% of the portfolio is rated AA or above) is intended to provide sufficient cash flows to support the Company’s lending goals. Liquidity is also provided by lines of credit maintained with the Federal Home Loan Bank of Atlanta (“FHLB”), the Federal Reserve, and to a lesser extent, bank lines of credit.

 

Borrowing Activities

Management utilizes a variety of sources to raise borrowed funds at competitive rates, including federal funds purchased, FHLB borrowings and retail repurchase agreements. FHLB borrowings typically carry rates approximating the LIBOR rate for the equivalent term because they are secured with investments or high quality loans. Federal funds purchased, which are generally overnight borrowings, are typically purchased at the Federal Reserve target rate.

 

The Company’s borrowing activities are achieved through the use of the previously mentioned lines of credit to address overnight and short-term funding needs, match-fund loan activity and, when opportunities are present, to lock in attractive rates due to market conditions.

 

Employees

The Company and its subsidiaries employed 707 persons, including executive officers, loan and other banking and trust officers, branch personnel, and others at December 31, 2012. None of the Company's employees is represented by a union or covered under a collective bargaining agreement. Management of the Company considers its employee relations to be excellent.

 

Competition

The Bank's principal competitors for deposits are other financial institutions, including other banks, credit unions, and savings institutions located in the Bank’s primary market area of Anne Arundel, Carroll, Frederick, Howard, Montgomery and Prince George’s counties in Maryland, and Arlington, Fairfax and Loudoun counties in Virginia. Competition among these institutions is based primarily on interest rates and other terms offered, service charges imposed on deposit accounts, the quality of services rendered, and the convenience of banking facilities. Additional competition for depositors' funds comes from mutual funds, U.S. Government securities, and private issuers of debt obligations and suppliers of other investment alternatives for depositors such as securities firms. Competition from credit unions has intensified in recent years as historical federal limits on membership have been relaxed. Because federal law subsidizes credit unions by giving them a general exemption from federal income taxes, credit unions have a significant cost advantage over banks and savings associations, which are fully subject to federal income taxes. Credit unions may use this advantage to offer rates that are highly competitive with those offered by banks and thrifts.

 

7
 

 

The banking business in Central Maryland and Northern Virginia generally, and the Bank's primary service areas specifically, are highly competitive with respect to both loans and deposits. As noted above, the Bank competes with many larger banking organizations that have offices over a wide geographic area. These larger institutions have certain inherent advantages, such as the ability to finance wide-ranging advertising campaigns and promotions and to allocate their investment assets to regions offering the highest yield and demand. They also offer services, such as international banking, that are not offered directly by the Bank (but are available indirectly through correspondent institutions), and, by virtue of their larger total capitalization, such banks have substantially higher legal lending limits, which are based on bank capital, than does the Bank. The Bank can arrange loans in excess of its lending limit, or in excess of the level of risk it desires to take, by arranging participations with other banks. The primary factors in competing for loans are interest rates, loan origination fees, and the range of services offered by lenders. Competitors for loan originations include other commercial banks, mortgage bankers, mortgage brokers, savings associations, and insurance companies.

 

Sandy Spring Insurance Corporation (“SSIC”), a wholly owned subsidiary of the Bank, offers annuities as an alternative to traditional deposit accounts. SSIC operates Sandy Spring Insurance, a general insurance agency located in Annapolis, Maryland, and Neff & Associates, an insurance agency located in Ocean City, Maryland. Both agencies face competition primarily from other insurance agencies and insurance companies. West Financial Services, Inc. (“WFS”), a wholly owned subsidiary of the Bank, is an asset management and financial planning company located in McLean, Virginia. The competition that WFS faces is primarily from other financial planners, banks, and financial management companies.

 

In addition to competing with other commercial banks, credit unions and savings associations, commercial banks such as the Bank compete with non-bank institutions for funds. For instance, yields on corporate and government debt and equity securities affect the ability of commercial banks to attract and hold deposits. Mutual funds also provide substantial competition to banks for deposits. Other entities, both governmental and in private industry, raise capital through the issuance and sale of debt and equity securities and indirectly compete with the Bank in the acquisition of deposits.

 

Financial holding companies may engage in banking as well as types of securities, insurance, and other financial activities. Banks with or without holding companies also may establish and operate financial subsidiaries that may engage in most financial activities in which financial holding companies may engage. Competition may increase as bank holding companies and other large financial services companies expand their operations to engage in new activities and provide a wider array of products.

 

Monetary Policy

The Company and the Bank are affected by fiscal and monetary policies of the federal government, including those of the Federal Reserve Board, which regulates the national money supply in order to mitigate recessionary and inflationary pressures. Among the techniques available to the Federal Reserve Board are engaging in open market transactions of U.S. Government securities, changing the discount rate and changing reserve requirements against bank deposits. These techniques are used in varying combinations to influence the overall growth of bank loans, investments and deposits. Their use may also affect interest rates charged on loans and paid on deposits. The effect of governmental policies on the earnings of the Company and the Bank cannot be predicted.

 

Regulation, Supervision, and Governmental Policy

The following is a brief summary of certain statutes and regulations that significantly affect the Company and the Bank. A number of other statutes and regulations affect the Company and the Bank but are not summarized below.

 

Bank Holding Company Regulation

The Company is registered as a bank holding company under the Holding Company Act and, as such, is subject to supervision and regulation by the Federal Reserve. As a bank holding company, the Company is required to furnish to the Federal Reserve annual and quarterly reports of its operations and additional information and reports. The Company is also subject to regular examination by the Federal Reserve.

 

Under the Holding Company Act, a bank holding company must obtain the prior approval of the Federal Reserve before (1) acquiring direct or indirect ownership or control of any class of voting securities of any bank or bank holding company if, after the acquisition, the bank holding company would directly or indirectly own or control more than 5% of the class; (2) acquiring all or substantially all of the assets of another bank or bank holding company; or (3) merging or consolidating with another bank holding company.

 

Prior to acquiring control of the Company or the Bank, any company must obtain approval of the Federal Reserve. For purposes of the Holding Company Act, "control" is defined as ownership of 25% or more of any class of voting securities of the Company or the Bank, the ability to control the election of a majority of the directors, or the exercise of a controlling influence over management or policies of the Company or the Bank.

 

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The Change in Bank Control Act and the related regulations of the Federal Reserve require any person or persons acting in concert (except for companies required to make application under the Holding Company Act), to file a written notice with the Federal Reserve before the person or persons acquire control of the Company or the Bank. The Change in Bank Control Act defines "control" as the direct or indirect power to vote 25% or more of any class of voting securities or to direct the management or policies of a bank holding company or an insured bank.

 

The Holding Company Act also limits the investments and activities of bank holding companies. In general, a bank holding company is prohibited from acquiring direct or indirect ownership or control of more than 5% of the voting shares of a company that is not a bank or a bank holding company or from engaging directly or indirectly in activities other than those of banking, managing or controlling banks, providing services for its subsidiaries, non-bank activities that are closely related to banking, and other financially related activities. The activities of the Company are subject to these legal and regulatory limitations under the Holding Company Act and Federal Reserve regulations.

 

In general, bank holding companies that qualify as financial holding companies under federal banking law may engage in an expanded list of non-bank activities. Non-bank and financially related activities of bank holding companies, including companies that become financial holding companies, also may be subject to regulation and oversight by regulators other than the Federal Reserve. The Company is not a financial holding company, but may choose to become one in the future.

 

The Federal Reserve has the power to order a holding company or its subsidiaries to terminate any activity, or to terminate its ownership or control of any subsidiary, when it has reasonable cause to believe that the continuation of such activity or such ownership or control constitutes a serious risk to the financial safety, soundness, or stability of any bank subsidiary of that holding company.

 

The Federal Reserve has adopted guidelines regarding the capital adequacy of bank holding companies, which require bank holding companies to maintain specified minimum ratios of capital to total assets and capital to risk-weighted assets. See "Regulatory Capital Requirements."

 

The Federal Reserve has the power to prohibit dividends by bank holding companies if their actions constitute unsafe or unsound practices. The Federal Reserve has issued a policy statement on the payment of cash dividends by bank holding companies, which expresses the Federal Reserve's view that a bank holding company should pay cash dividends only to the extent that the company's net income for the past year is sufficient to cover both the cash dividends and a rate of earnings retention that is consistent with the company's capital needs, asset quality, and overall financial condition.

 

Bank Regulation

The Bank is a state chartered bank and trust company subject to supervision by the State of Maryland.  As a member of the Federal Reserve System, the Bank is also subject to supervision by the Federal Reserve.  Deposits of the Bank are insured by the FDIC to the legal maximum. Deposits, reserves, investments, loans, consumer law compliance, issuance of securities, payment of dividends, establishment of branches, mergers and acquisitions, corporate activities, changes in control, electronic funds transfers, responsiveness to community needs, management practices, compensation policies, and other aspects of operations are subject to regulation by the appropriate federal and state supervisory authorities. In addition, the Bank is subject to numerous federal, state and local laws and regulations which set forth specific restrictions and procedural requirements with respect to extensions of credit (including to insiders), credit practices, disclosure of credit terms and discrimination in credit transactions.

 

The Federal Reserve regularly examines the operations and condition of the Bank, including, but not limited to, its capital adequacy, reserves, loans, investments, and management practices. These examinations are for the protection of the Bank's depositors and the Deposit Insurance Fund. In addition, the Bank is required to furnish quarterly and annual reports to the Federal Reserve. The Federal Reserve's enforcement authority includes the power to remove officers and directors and the authority to issue cease-and-desist orders to prevent a bank from engaging in unsafe or unsound practices or violating laws or regulations governing its business.

 

The Federal Reserve has adopted regulations regarding capital adequacy, which require member banks to maintain specified minimum ratios of capital to total assets and capital to risk-weighted assets. See "Regulatory Capital Requirements." Federal Reserve and State regulations limit the amount of dividends that the Bank may pay to the Company. See “Note 12–Stockholders’ Equity” in the Notes to the Consolidated Financial Statements.

 

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The Bank is subject to restrictions imposed by federal law on extensions of credit to, and certain other transactions with, the Company and other affiliates, and on investments in their stock or other securities. These restrictions prevent the Company and the Bank's other affiliates from borrowing from the Bank unless the loans are secured by specified collateral, and require those transactions to have terms comparable to terms of arms-length transactions with third persons. In addition, secured loans and other transactions and investments by the Bank are generally limited in amount as to the Company and as to any other affiliate to 10% of the Bank's capital and surplus and as to the Company and all other affiliates together to an aggregate of 20% of the Bank's capital and surplus. Certain exemptions to these limitations apply to extensions of credit and other transactions between the Bank and its subsidiaries. These regulations and restrictions may limit the Company's ability to obtain funds from the Bank for its cash needs, including funds for acquisitions and for payment of dividends, interest, and operating expenses.

 

Under Federal Reserve regulations, banks must adopt and maintain written policies that establish appropriate limits and standards for extensions of credit secured by liens or interests in real estate or are made for the purpose of financing permanent improvements to real estate. These policies must establish loan portfolio diversification standards; prudent underwriting standards, including loan-to-value limits, that are clear and measurable; loan administration procedures; and documentation, approval, and reporting requirements. A bank's real estate lending policy must reflect consideration of the Interagency Guidelines for Real Estate Lending Policies (the "Interagency Guidelines") adopted by the federal bank regulators. The Interagency Guidelines, among other things, call for internal loan-to-value limits for real estate loans that are not in excess of the limits specified in the Guidelines. The Interagency Guidelines state, however, that it may be appropriate in individual cases to originate or purchase loans with loan-to-value ratios in excess of the supervisory loan-to-value limits.

 

Sandy Spring Bank’s deposits are insured up to applicable limits by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation. Under the Federal Deposit Insurance Corporation’s risk-based assessment system, insured institutions are assigned to one of four risk categories based on supervisory evaluations, regulatory capital levels and certain other factors, with less risky institutions paying lower assessments. An institution’s assessment rate depends upon the category to which it is assigned. Assessment rates currently range from 2-1/2 to 45 basis points. No institution may pay a dividend if in default of the federal deposit insurance assessment.  Deposit insurance assessments are based on total assets less tangible equity. The Federal Deposit Insurance Corporation imposed on all insured institutions a special emergency assessment of five basis points of total assets minus Tier 1 capital, as of June 30, 2009 (capped at ten basis points of an institution’s deposit assessment base), in order to cover losses to the Deposit Insurance Fund.  That special assessment was collected on September 30, 2009.  The Federal Deposit Insurance Corporation provided for similar assessments during the final two quarters of 2009, if deemed necessary.  However, in lieu of further special assessments, the Federal Deposit Insurance Corporation required insured institutions to prepay estimated quarterly risk-based assessments for the fourth quarter of 2009 through the fourth quarter of 2012.  The estimated assessments, which include an assumed annual assessment base increase of 5%, were recorded as a prepaid expense asset as of December 30, 2009.  As of December 31, 2009, and each quarter thereafter, a charge to earnings will be recorded for each regular assessment with an offsetting credit to the prepaid asset. Any remaining prepaid assets are to be repaid to financial institutions in the second quarter of 2013. The Federal Deposit Insurance Corporation has authority to increase insurance assessments. A significant increase in insurance premiums would likely have an adverse effect on the operating expenses and results of operations of Sandy Spring Bank. Management cannot predict what insurance assessment rates will be in the future.

 

Regulatory Capital Requirements

The Federal Reserve has established guidelines for maintenance of appropriate levels of capital by bank holding companies and member banks. The regulations impose two sets of capital adequacy requirements: minimum leverage rules, which require bank holding companies and banks to maintain a specified minimum ratio of capital to total assets, and risk-based capital rules, which require the maintenance of specified minimum ratios of capital to risk-weighted assets. These capital regulations are subject to change.

 

The regulations of the Federal Reserve require bank holding companies and member banks to maintain a minimum leverage ratio of "Tier 1 capital" (as defined in the risk-based capital guidelines discussed in the following paragraphs) to total assets of 3.0%. The capital regulations state, however, that only the strongest bank holding companies and banks, with composite examination ratings of 1 under the rating system used by the federal bank regulators, would be permitted to operate at or near this minimum level of capital. All other bank holding companies and banks are expected to maintain a leverage ratio of at least 1% to 2% above the minimum ratio, depending on the assessment of an individual organization's capital adequacy by its primary regulator. A bank or bank holding company experiencing or anticipating significant growth is expected to maintain capital well above the minimum levels. In addition, the Federal Reserve has indicated that it also may consider the level of an organization's ratio of tangible Tier 1 capital (after deducting all intangibles) to total assets in making an overall assessment of capital.

 

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The risk-based capital rules of the Federal Reserve require bank holding companies and member banks to maintain minimum regulatory capital levels based upon a weighting of their assets and off-balance sheet obligations according to risk. The risk-based capital rules have two basic components: a core capital (Tier 1) requirement and a supplementary capital (Tier 2) requirement. Core capital consists primarily of common stockholders' equity, certain perpetual preferred stock (noncumulative perpetual preferred stock with respect to banks), and minority interests in the equity accounts of consolidated subsidiaries; less all intangible assets, except for certain mortgage servicing rights and purchased credit card relationships. Supplementary capital elements include, subject to certain limitations, the allowance for losses on loans and leases; perpetual preferred stock that does not qualify as Tier 1 capital; long-term preferred stock with an original maturity of at least 20 years from issuance; hybrid capital instruments, including perpetual debt and mandatory convertible securities; subordinated debt, intermediate-term preferred stock, and up to 45% of pre-tax net unrealized gains on available-for-sale equity securities.

 

The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) requires the Federal Reserve Board to promulgate consolidated capital requirements for depository institution holding companies that are no less stringent, both quantitatively and in terms of components of capital, than those applicable to depository institutions themselves. Instruments such as cumulative preferred stock and trust preferred securities will no longer be includable as Tier 1 capital as is currently the case with bank holding companies. Instruments issued prior to May 19, 2010 will be grandfathered for companies with consolidated assets of $15 billion or less.

 

In June 2012, the Federal Reserve, FDIC and OCC issued three joint Notices of Proposed Rulemaking (“NPRs”) to address the implementation of the proposed Basel III regulatory capital framework for U.S. financial institutions, including proposed minimum capital requirements, definitions of qualifying capital instruments, and risk-weighted asset calculations. The proposed new minimum capital level requirements applicable to the Company and the Bank under the proposals would be: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The proposed rules would eliminate the inclusion of certain instruments, such as trust preferred securities, from Tier 1 capital. Instruments issued prior to May 19, 2010 will be grandfathered for companies with consolidated assets of $15 billion or less and phased out over a period of 10 years ending in 2022. The proposed rules would also establish a “capital conservation buffer” of 2.5% above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital and would result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0%, (ii) a Tier 1 capital ratio of 8.5%, and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement would be phased in beginning in January 2016 at 0.625% of risk-weighted assets and would increase by that amount each year until fully implemented in January 2019. An institution would be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations would establish a maximum percentage of eligible retained income that could be utilized for such actions. As proposed, it appears that the Company’s risk-weighted assets may increase primarily due to changes in the ranges of risk-weightings for residential mortgages and home equity loans. However, the effect of this change may be offset by revised definitions of qualifying capital instruments. The Company has analyzed the possible effect of the proposed NPRs and currently estimates that our risk-based capital ratios will exceed the proposed requirements on a fully phased-in basis. The regulatory agencies have asked financial institutions to comment on the NPRs and are expected to review the feedback and draft final rules, which could take some time to complete. As a result, the final rules may differ from the current NPRs, which currently provide for an extended phase-in over several years. The Company will continue to analyze the proposed NPRs as changes are communicated by the regulatory agencies.

 

The risk-based capital regulations assign balance sheet assets and credit equivalent amounts of off-balance sheet obligations to one of four broad risk categories based principally on the degree of credit risk associated with the obligor. The assets and off-balance sheet items in the four risk categories are weighted at 0%, 20%, 50% and 100%. These computations result in the total risk-weighted assets.

 

The risk-based capital regulations require all commercial banks and bank holding companies to maintain a minimum ratio of total capital to total risk-weighted assets of 8%, with at least 4% as core capital. For the purpose of calculating these ratios: (i) supplementary capital is limited to no more than 100% of core capital; and (ii) the aggregate amount of certain types of supplementary capital is limited. In addition, the risk-based capital regulations limit the allowance for credit losses that may be included in capital to 1.25% of total risk-weighted assets.

 

The federal bank regulatory agencies have established a joint policy regarding the evaluation of commercial banks' capital adequacy for interest rate risk. Under the policy, the Federal Reserve's assessment of a bank's capital adequacy includes an assessment of the bank's exposure to adverse changes in interest rates. The Federal Reserve has determined to rely on its examination process for such evaluations rather than on standardized measurement systems or formulas. The Federal Reserve may require banks that are found to have a high level of interest rate risk exposure or weak interest rate risk management systems to take corrective actions. Management believes its interest rate risk management systems and its capital relative to its interest rate risk are adequate.

 

Federal banking regulations also require banks with significant trading assets or liabilities to maintain supplemental risk-based capital based upon their levels of market risk. The Bank did not have significant levels of trading assets or liabilities during 2012 and was not required to maintain such supplemental capital.

 

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Well-capitalized institutions are not subject to limitations on brokered deposits, while an adequately capitalized institution is able to accept, renew, or rollover brokered deposits only with a waiver from the FDIC and subject to certain restrictions on the yield paid on such deposits.  Undercapitalized institutions are not permitted to accept brokered deposits.

 

The Federal Reserve has established regulations that classify banks by capital levels and provide for the Federal Reserve to take various "prompt corrective actions" to resolve the problems of any bank that fails to satisfy the capital standards.  Under these regulations, a well-capitalized bank is one that is not subject to any regulatory order or directive to meet any specific capital level and that has a total risk-based capital ratio of 10% or more, a Tier 1 risk-based capital ratio of 6% or more, and a leverage ratio of 5% or more. An adequately capitalized bank is one that does not qualify as well-capitalized but meets or exceeds the following capital requirements: a total risk-based capital ratio of 8%, a Tier 1 risk-based capital ratio of 4%, and a leverage ratio of either (i) 4% or (ii) 3% if the bank has the highest composite examination rating. A bank that does not meet these standards is categorized as undercapitalized, significantly undercapitalized, or critically undercapitalized, depending on its capital levels. A bank that falls within any of the three undercapitalized categories established by the prompt corrective action regulation is subject to severe regulatory sanctions. As of December 31, 2012, the Bank was well-capitalized as defined in the Federal Reserve's regulations.

 

For information regarding the Company's and the Bank's compliance with their respective regulatory capital requirements, see "Management's Discussion and Analysis of Financial Condition and Results of Operations — Capital Management” of this report, and “Note 11-Subordinated Debentures,” and "Note 23 – Regulatory Matters" of the Notes to the Consolidated Financial Statements of this report.

 

Supervision and Regulation of Mortgage Banking Operations

The Company's mortgage banking business is subject to the rules and regulations of the U.S. Department of Housing and Urban Development ("HUD"), the Federal Housing Administration ("FHA"), the Veterans' Administration ("VA"), Fannie Mae with respect to originating, processing, selling and servicing mortgage loans. Those rules and regulations, among other things, prohibit discrimination and establish underwriting guidelines, which include provisions for inspections and appraisals, require credit reports on prospective borrowers, and fix maximum loan amounts. Lenders such as the Company are required annually to submit audited financial statements to Fannie Mae, FHA and VA. Each of these regulatory entities has its own financial requirements. The Company's affairs are also subject to examination by the Federal Reserve, Fannie Mae, FHA and VA at all times to assure compliance with the applicable regulations, policies and procedures. Mortgage origination activities are subject to, among others, the Equal Credit Opportunity Act, Federal Truth-in-Lending Act, Fair Housing Act, Fair Credit Reporting Act, the National Flood Insurance Act and the Real Estate Settlement Procedures Act and related regulations that prohibit discrimination and require the disclosure of certain basic information to mortgagors concerning credit terms and settlement costs. The Company's mortgage banking operations also are affected by various state and local laws and regulations and the requirements of various private mortgage investors.

 

Community Reinvestment

Under the Community Reinvestment Act (“CRA”), a financial institution has a continuing and affirmative obligation to help meet the credit needs of the entire community, including low and moderate income neighborhoods.  The CRA does not establish specific lending requirements or programs for financial institutions, or limit an institution’s discretion to develop the types of products and services that it believes are best suited to its particular community.  However, institutions are rated on their performance in meeting the needs of their communities.  Performance is tested in three areas: (a) lending, to evaluate the institution’s record of making loans in its assessment areas; (b) investment, to evaluate the institution’s record of investing in community development projects, affordable housing, and programs benefiting low or moderate income individuals and businesses; and (c) service, to evaluate the institution’s delivery of services through its branches, ATMs and other offices.  The CRA requires each federal banking agency, in connection with its examination of a financial institution, to assess and assign one of four ratings to the institution’s record of meeting the credit needs of the community and to take such record into account in its evaluation of certain applications by the institution, including applications for charters, branches and other deposit facilities, relocations, mergers, consolidations, acquisitions of assets or assumptions of liabilities, and savings and loan holding company acquisitions.  The CRA also requires that all institutions make public, disclosure of their CRA ratings.  The Bank was assigned a “satisfactory” rating as a result of its last CRA examination.

 

Bank Secrecy Act

Under the Bank Secrecy Act (“BSA”), a financial institution is required to have systems in place to detect certain transactions, based on the size and nature of the transaction. Financial institutions are generally required to report cash transactions involving more than $10,000 to the United States Treasury. In addition, financial institutions are required to file suspicious activity reports for transactions that involve more than $5,000 and which the financial institution knows, suspects, or has reason to suspect involves illegal funds, is designed to evade the requirements of the BSA, or has no lawful purpose. The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act, commonly referred to as the "USA Patriot Act" or the "Patriot Act”, enacted prohibitions against specified financial transactions and account relationships, as well as enhanced due diligence standards intended to prevent the use of the United States financial system for money laundering and terrorist financing activities. The Patriot Act requires banks and other depository institutions, brokers, dealers and certain other businesses involved in the transfer of money to establish anti-money laundering programs, including employee training and independent audit requirements meeting minimum standards specified by the act, to follow standards for customer identification and maintenance of customer identification records, and to compare customer lists against lists of suspected terrorists, terrorist organizations and money launderers. The Patriot Act also requires federal bank regulators to evaluate the effectiveness of an applicant in combating money laundering in determining whether to approve a proposed bank acquisition.

 

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Sarbanes-Oxley Act of 2002

The Sarbanes-Oxley Act of 2002 (“Sarbanes-Oxley”) established a broad range of corporate governance and accounting measures intended to increase corporate responsibility and protect investors by improving the accuracy and reliability of disclosures under federal securities laws. The Company is subject to Sarbanes-Oxley because it is required to file periodic reports with the SEC under the Securities Exchange Act of 1934. Among other things, Sarbanes-Oxley, its implementing regulations and related Nasdaq Stock Market rules have established membership requirements and additional responsibilities for the Company’s audit committee, imposed restrictions on the relationship between the Company and its outside auditors (including restrictions on the types of non-audit services our auditors may provide to us), imposed additional financial statement certification responsibilities for the Company’s chief executive officer and chief financial officer, expanded the disclosure requirements for corporate insiders, required management to evaluate the Company’s disclosure controls and procedures and its internal control over financial reporting, and required the Company’s auditors to issue a report on our internal control over financial reporting.

 

Regulatory Restructuring Legislation

The Dodd-Frank Act, enacted in 2010, implements significant changes to the regulation of depository institutions. The Dodd-Frank Act provides for the creation of a new agency, the Consumer Financial Protection Bureau, as an independent bureau of the Federal Reserve Board, to take over the implementation of federal consumer financial protection and fair lending laws from the depository institution regulators. However, institutions of $10 billion or fewer in assets will continue to be examined for compliance with such laws and regulations by, and to be subject to the primary enforcement authority of, their primary federal regulator. In addition, the Dodd-Frank Act, among other things, requires changes in the way that institutions are assessed for deposit insurance, requires that originators of securitized loans retain a percentage of the risk for the transferred loans, directs the Federal Reserve Board to regulate pricing of certain debit card interchange fees, and contains a number of reforms related to mortgage originations. Many of the provisions of the Dodd-Frank Act contain delayed effective dates and/or require the issuance of regulations. As a result, it will be some time before their impact on operations can be assessed by management. However, there is a significant possibility that the Dodd-Frank Act will, at a minimum, result in an increased regulatory burden and higher compliance, operating, and possibly, interest costs for the Company and the Bank.

 

Other Laws and Regulations

Some of the aspects of the lending and deposit business of the Bank that are subject to regulation by the Federal Reserve and the FDIC include reserve requirements and disclosure requirements in connection with personal and mortgage loans and deposit accounts.  In addition, the Bank is subject to numerous federal and state laws and regulations that include specific restrictions and procedural requirements with respect to the establishment of branches, investments, interest rates on loans, credit practices, the disclosure of credit terms, and discrimination in credit transactions.

 

Enforcement Actions

Federal statutes and regulations provide financial institution regulatory agencies with great flexibility to undertake an enforcement action against an institution that fails to comply with regulatory requirements.  Possible enforcement actions range from the imposition of a capital plan and capital directive to civil money penalties, cease-and-desist orders, receivership, conservatorship, or the termination of the deposit insurance.

 

Executive Officers

The following listing sets forth the name, age (as of February 28, 2013), principal position and recent business experience of each executive officer:

 

R. Louis Caceres, 50, Executive Vice President of the Bank. Mr. Caceres was made Executive Vice President of the Bank in 2002. Prior to that, Mr. Caceres was a Senior Vice President of the Bank.

 

Ronald E. Kuykendall, 60, became Executive Vice President, General Counsel and Secretary of the Company and the Bank in 2002. Prior to that, Mr. Kuykendall was General Counsel and Secretary of the Company and Senior Vice President of the Bank.

 

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Philip J. Mantua, CPA, 54, became Executive Vice President and Chief Financial Officer of the Company and the Bank in 2004. Prior to that, Mr. Mantua was Senior Vice President of Managerial Accounting.

 

Joseph J. O'Brien, Jr., 49, became Executive Vice President for Commercial and Retail Banking on January 1, 2011. Mr. O’Brien joined the Bank in July 2007 as Executive Vice President for Commercial Banking. Additionally, on January 1, 2008, he became president of the Northern Virginia Market. Prior to joining the Bank, Mr. O'Brien was an Executive Vice President and senior lender for a local banking institution.

 

Daniel J. Schrider, 48, became President of the Company and the Bank effective March 26, 2008 and Chief Executive Officer effective January 1, 2009. Prior to that, Mr. Schrider served as an Executive Vice President and Chief Revenue Officer of the Bank.

 

John D. Sadowski, 49, became Executive Vice President and Chief Information Officer of the Bank on February 1, 2011. Prior to that, Mr. Sadowski served as a Senior Vice President of the Bank.

 

Jeffrey A. Welch, 53, became an Executive Vice President and Chief Credit Officer of the Bank in 2008. Prior to joining the Bank, Mr. Welch served as a Senior Vice President of Commerce Bank.

 

Item 1A. RISK FACTORS

 

Investing in the Company’s common stock involves risks. The investor should carefully consider the following risk factors before deciding to make an investment decision regarding the Company’s stock. The risk factors may cause future earnings to be lower or the financial condition to be less favorable than expected. In addition, other risks that the Company is not aware of, or which are not believed to be material, may cause earnings to be lower, or may deteriorate the financial condition of the Company. Consideration should also be given to the other information in this Annual Report on Form 10-K, as well as in the documents incorporated by reference into this Form 10-K.

 

Changes in U.S. or regional economic conditions could have an adverse effect on the Company’s business, financial condition or results of operations.

The Company’s business activities and earnings are affected by general business conditions in the United States and in the local market area. These conditions include short-term and long-term interest rates, inflation, unemployment levels, consumer confidence and spending, fluctuations in both debt and equity capital markets, and the strength of the economy in the United States generally and in the Company’s market area in particular. The national economy recently experienced a recession, with rising unemployment levels, declines in real estate values and erosion in consumer confidence. Dramatic declines in the U.S. housing market over the past few years, with falling home prices and increasing foreclosures, have negatively affected the performance of mortgage loans and resulted in significant write-downs of asset values by many financial institutions. Although the housing sector has improved and real estate prices have rebounded, the economy remains weak and consumer confidence is shaky, continued elevated levels of unemployment, further declines in the values of real estate, or other events that affect household and/or corporate incomes could impair the ability of the Company’s borrowers to repay their loans in accordance with their terms and reduce demand for banking products and services.

 

The geographic concentration of our operations makes the Company susceptible to downturns in local economic conditions.

The Company’s commercial and commercial real estate lending operations are concentrated in Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George’s counties in Maryland, and Arlington, Fairfax and Loudoun counties in Virginia. The Company’s success depends in part upon economic conditions in these markets. Adverse changes in economic conditions in these markets could reduce the growth in loans and deposits, impair the Company’s ability to collect amounts due on loans, increase problem loans and charge-offs and otherwise negatively affect performance and financial condition. Declines in real estate values could cause some of the residential and commercial real estate loans to be inadequately collateralized, which would expose the Company to a greater risk of loss in the event that the recovery on amounts due on defaulted loans is resolved by selling the real estate collateral.

 

The Company’s allowance for loan and lease losses may not be adequate to cover our actual loan and lease losses, which could adversely affect the Company’s financial condition and results of operations.

An allowance for loan and lease losses is maintained in an amount that is believed to be adequate to provide for probable losses inherent in the portfolio. The Company has an aggressive program to monitor credit quality and to identify loans and leases that may become non-performing, however, at any time there are loans and leases included in the portfolio that will result in losses, but that have not been identified as non-performing or potential problem credits. There can be no assurance that the ability exists to identify all deteriorating credits prior to them becoming non-performing assets, or that the Company will have the ability to limit losses on those loans and leases that are identified. As a result, future additions to the allowance may be necessary. Additionally, future additions may be required based on changes in the loans and leases comprising the portfolio and changes in the financial condition of borrowers, or as a result of assumptions by management in determining the allowance. Additionally, banking regulators, as an integral part of their supervisory function, periodically review the Company’s allowance for loan and lease losses. These regulatory agencies may require an increase in the provision for loan and lease losses or to recognize further loan or lease charge-offs based upon their judgments, which may be different from the Company’s. Any increase in the allowance for loan and lease losses could have a negative effect on the financial condition and results of operations of the Company.

 

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If non-performing assets increase, earnings will be adversely impacted.

At December 31, 2012, non-performing assets, which are comprised of non-accrual loans and other real estate owned, totaled $63.8 million, or 1.61%, of total assets, compared to non-performing assets of $83.6 million, or 2.25% of total assets at December 31, 2011. Non-performing assets adversely affect net income in various ways. Interest income is not recorded on non-accrual loans or other real estate owned. The Company must record a reserve for probable losses on loans and leases, which is established through a current period charge to the provision for loan and lease losses, and from time to time must write-down the value of properties in the Company’s other real estate owned portfolio to reflect changing market values. Additionally, there are legal fees associated with the resolution of problem assets as well as carrying costs such as taxes, insurance and maintenance related to other real estate owned. Further, the resolution of non-performing assets requires the active involvement of management, which can distract them from more profitable activity. Finally, if the estimate for the recorded allowance for loan and lease losses proves to be incorrect and the allowance is inadequate, the allowance will have to be increased and, as a result, Company earnings would be adversely affected. A further downturn in the Company’s market areas could increase credit risk associated with the loan portfolio, as it could have a material adverse effect on both the ability of borrowers to repay loans as well as the value of the real property or other property held as collateral for such loans. There can be no assurance that non-performing loans will not experience an increase in the future, or that the Company’s non-performing assets will not result in further losses in the future.

 

The Company may be subject to certain risks related to originating and selling mortgage loans.

When mortgage loans are sold, it is customary to make representations and warranties to the purchaser about the mortgage loans and the manner in which they were originated. The whole loan sale agreements require the repurchase or substitution of mortgage loans in the event the Company breaches any of these representations or warranties. In addition, there may be a requirement to repurchase mortgage loans as a result of borrower fraud or in the event of early payment default of the borrower on a mortgage loan. The Company receives a limited number of repurchase and indemnity demands from purchasers as a result of borrower fraud and early payment default of the borrower on mortgage loans. The Company has enhanced its underwriting policies and procedures, however, these steps may not be effective or reduce the risk associated with loans sold in the past. If repurchase and indemnity demands increase materially, the Company’s results of operations could be adversely affected.

 

Any delays in the Company’s ability to foreclose on delinquent mortgage loans may negatively impact the Company’s business.

The origination of mortgage loans occurs with the expectation that if the borrower defaults then the ultimate loss is mitigated by the value of the collateral that secures the mortgage loan. The ability to mitigate the losses on defaulted loans depends upon the ability to promptly foreclose upon the collateral after an appropriate cure period. In some states, the large number of mortgage foreclosures that have occurred has resulted in delays in foreclosing. Any delay in the foreclosure process will adversely affect the Company by increasing the expenses related to carrying such assets, such as taxes, insurance, and other carrying costs, and exposes the Company to losses as a result of potential additional declines in the value of such collateral.

 

Changes in interest rates and other factors beyond the Company’s control may adversely affect earnings and financial condition.

The Company’s net income depends to a great extent upon the level of net interest income. Changes in interest rates can increase or decrease net interest income and net income. Net interest income is the difference between the interest income earned on loans, investments, and other interest-earning assets, and the interest paid on interest-bearing liabilities, such as deposits and borrowings. Net interest income is affected by changes in market interest rates, because different types of assets and liabilities may react differently, and at different times, to market interest rate changes. When interest-bearing liabilities mature or re-price more quickly than interest-earning assets in a period, an increase in market rates of interest could reduce net interest income. Similarly, when interest-earning assets mature or re-price more quickly than interest-bearing liabilities, falling interest rates could reduce net interest income.

 

Changes in market interest rates are affected by many factors beyond the Company’s control, including inflation, unemployment, money supply, international events, and events in world financial markets. The Company attempts to manage its risk from changes in market interest rates by adjusting the rates, maturity, re-pricing, and balances of the different types of interest-earning assets and interest-bearing liabilities, but interest rate risk management techniques are not exact. As a result, a rapid increase or decrease in interest rates could have an adverse effect on the net interest margin and results of operations. Changes in the market interest rates for types of products and services in various markets also may vary significantly from location to location and over time based upon competition and local or regional economic factors. At December 31, 2012, the Company’s interest rate sensitivity simulation model projected that net interest income would increase by 1.26% if interest rates immediately rose by 200 basis points. The results of an interest rate sensitivity simulation model depend upon a number of assumptions which may not prove to be accurate. There can be no assurance that the Company will be able to successfully manage interest rate risk.

 

15
 

 

The Company’s investment securities portfolio is subject to credit risk, market risk, and liquidity risk.

The investment securities portfolio has risks factors beyond the Company’s control that may significantly influence its fair value. These risk factors include, but are not limited to, rating agency downgrades of the securities, defaults of the issuers of the securities, lack of market pricing of the securities, and instability in the credit markets. Lack of market activity with respect to some securities has, in certain circumstances, required the Company to base its fair market valuation on unobservable inputs. Any changes in these risk factors, in current accounting principles or interpretations of these principles could impact the Company’s assessment of fair value and thus the determination of other-than-temporary impairment of the securities in the investment securities portfolio. Investment securities that previously were determined to be other-than-temporarily impaired could require further write-downs due to continued erosion of the creditworthiness of the issuer. Write-downs of investment securities would negatively affect the Company’s earnings and regulatory capital ratios.

 

The Company is subject to liquidity risks.

Market conditions could negatively affect the level or cost of available liquidity, which would affect the Company’s ongoing ability to accommodate liability maturities and deposit withdrawals, meet contractual obligations, and fund asset growth and new business transactions at a reasonable cost, in a timely manner, and without adverse consequences. Core deposits and Federal Home Loan Bank advances are the Company’s primary source of funding. A significant decrease in the core deposits, an inability to renew Federal Home Loan Bank advances, an inability to obtain alternative funding to core deposits or Federal Home Loan Bank advances, or a substantial, unexpected, or prolonged change in the level or cost of liquidity could have a negative effect on the Company’s business, financial condition and results of operations.

 

Impairment in the carrying value of goodwill could negatively impact the Company’s earnings.

At December 31, 2012, goodwill totaled $84.8 million. Goodwill is initially recorded at fair value and is not amortized, but is reviewed for impairment at least annually or more frequently if events or changes in circumstances indicate that the carrying value may not be recoverable. There could be a requirement to evaluate the recoverability of goodwill prior to the normal annual assessment if there is a disruption in the Company’s business, unexpected significant declines in operating results, or sustained market capitalization declines. These types of events and the resulting analyses could result in goodwill impairment charges in the future, which would adversely affect the results of operations. A goodwill impairment charge does not adversely affect regulatory capital ratios or tangible capital. Based on an analysis, it was determined that the fair value of the Company’s reporting units exceeded the carrying value of their assets and liabilities and, therefore, goodwill was not considered impaired at December 31, 2012.

 

The Company depends on its executive officers and key personnel to continue the implementation of its long-term business strategy and could be harmed by the loss of their services.

The Company believes that its continued growth and future success will depend in large part on the skills of its management team and its ability to motivate and retain these individuals and other key personnel. In particular, the Company relies on the leadership of its Chief Executive Officer, Daniel J. Schrider. The loss of service of Mr. Schrider or one or more of the Company’s other executive officers or key personnel could reduce the Company’s ability to successfully implement its long-term business strategy, its business could suffer and the value of the Company’s common stock could be materially adversely affected. Leadership changes will occur from time to time and the Company cannot predict whether significant resignations will occur or whether the Company will be able to recruit additional qualified personnel. The Company believes its management team possesses valuable knowledge about the banking industry and the Company’s markets and that their knowledge and relationships would be very difficult to replicate. Although the Chief Executive Officer and Chief Financial Officer have entered into employment agreements with the Company, it is possible that they may not complete the term of their employment agreements or renew them upon expiration. The Company’s success also depends on the experience of its branch managers and lending officers and on their relationships with the customers and communities they serve. The loss of these key personnel could negatively impact the Company’s banking operations. The loss of key personnel, or the inability to recruit and retain qualified personnel in the future, could have an adverse effect on the Company’s business, financial condition or operating results.

 

The market price for the Company’s stock may be volatile.

The market price for the Company’s common stock has fluctuated, ranging between $16.66 and $19.87 per share during the 12 months ended December 31, 2012. The overall market and the price of the Company’s common stock may experience volatility. There may be a significant impact on the market price for the common stock due to, among other things:

·past and future dividend practice;

 

16
 

 

·financial condition, performance, creditworthiness and prospects;
·quarterly variations in operating results or the quality of the Company’s assets;
·operating results that vary from the expectations of management, securities analysts and investors;
·changes in expectations as to the future financial performance;
·announcements of innovations, new products, strategic developments, significant contracts, acquisitions and other material events by the Company or its competitors;
·the operating and securities price performance of other companies that investors believe are comparable to the Company;
·future sales of the Company’s equity or equity-related securities;
·the credit, mortgage and housing markets, the markets for securities relating to mortgages or housing, and developments with respect to financial institutions generally; and
·changes in global financial markets and global economies and general market conditions, such as interest or foreign exchange rates, stock, commodity or real estate valuations or volatility or other geopolitical, regulatory or judicial events.

There can be no assurance that a more active or consistent trading market in the Company’s common stock will develop. As a result, relatively small trades could have a significant impact on the price of the Company’s common stock.

 

The cost savings that the Company estimates for mergers and acquisitions may not be realized.

The success of the Company’s mergers and acquisitions may depend, in part, on the ability to realize the estimated cost savings from combining the acquired businesses with the Company’s existing operations. It is possible that the potential cost savings could turn out to be more difficult to achieve than anticipated. The cost savings estimates also depend on the ability to combine the businesses in a manner that permits those cost savings to be realized. If the estimates turn out to be incorrect or there is an inability to combine successfully, the anticipated cost savings may not be realized fully or at all, or may take longer to realize than expected.

 

Combining acquired businesses with Sandy Spring may be more difficult, costly, or time-consuming than expected, or could result in the loss of customers.

It is possible that the process of merger integration of acquired companies could result in the loss of key employees, the disruption of ongoing business or inconsistencies in standards, controls, procedures and policies that adversely affect the ability to maintain relationships with clients and employees or to achieve the anticipated benefits of the merger or acquisition. There also may be disruptions that cause the Company to lose customers or cause customers to withdraw their deposits. Customers may not readily accept changes to their banking arrangements or other customer relationships after the merger or acquisition.

 

Market competition may decrease the Company’s growth or profits.

The Company competes for loans, deposits, and investment dollars with other banks and other financial institutions and enterprises, such as securities firms, insurance companies, savings associations, credit unions, mortgage brokers, and private lenders, many of which have substantially greater resources than possessed by the Company. Credit unions have federal tax exemptions, which may allow them to offer lower rates on loans and higher rates on deposits than taxpaying financial institutions such as commercial banks. In addition, non-depository institution competitors are generally not subject to the extensive regulation applicable to institutions that offer federally insured deposits. Other institutions may have other competitive advantages in particular markets or may be willing to accept lower profit margins on certain products. These differences in resources, regulation, competitive advantages, and business strategy may decrease the Company’s net interest margin, increase the Company’s operating costs, and may make it harder to compete profitably.

 

The Company operates in a highly regulated industry, and compliance with, or changes to, the laws and regulations that govern its operations may adversely affect the Company.

The banking industry is heavily regulated. Banking regulations are primarily intended to protect the federal deposit insurance funds and depositors, not shareholders. Sandy Spring Bank is subject to regulation and supervision by the Board of Governors of the Federal Reserve System and by Maryland banking authorities. Sandy Spring Bancorp is subject to regulation and supervision by the Board of Governors of the Federal Reserve System. The burdens imposed by federal and state regulations put banks at a competitive disadvantage compared to less regulated competitors such as finance companies, mortgage banking companies, and leasing companies. Changes in the laws, regulations, and regulatory practices affecting the banking industry may increase the cost of doing business or otherwise adversely affect the Company and create competitive advantages for others. Regulations affecting banks and financial services companies undergo continuous change, and the Company cannot predict the ultimate effect of these changes, which could have a material adverse effect on the Company’s results of operations or financial condition. Federal economic and monetary policy may also affect the Company’s ability to attract deposits and other funding sources, make loans and investments, and achieve satisfactory interest spreads.

 

17
 

 

The enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 may have a material effect on our operations.

The Dodd-Frank Act imposes significant regulatory and compliance changes. The key effects of the Dodd-Frank Act on the Company’s business are: changes to regulatory capital requirements; exclusion of hybrid securities, including trust preferred securities, issued on or after May 19, 2010 from Tier 1 capital; creation of new government regulatory agencies (such as the Financial Stability Oversight Council, which oversees systemic risk, and the Consumer Financial Protection Bureau, which develops and enforces rules for bank and non-bank providers of consumer financial products); potential limitations on federal preemption; changes to deposit insurance assessments; regulation of debit interchange fees; changes in retail banking regulations, including potential limitations on certain fees the Company may charge; and changes in regulation of consumer mortgage loan origination and risk retention. Some provisions of the Dodd-Frank Act became effective immediately upon its enactment. Many provisions, however, require regulations to be promulgated by various federal agencies in order to be implemented, some of which have been proposed by the applicable federal agencies. The provisions of the Dodd-Frank Act may have unintended effects, which will not be clear until implementation. The changes resulting from the Dodd-Frank Act may impact the profitability of the Company’s business activities, require changes to certain of the Company’s business practices, impose upon the Company more stringent capital, liquidity and leverage requirements or otherwise adversely affect the Company’s business. These changes may also require the Company to invest significant management attention and resources to evaluate and make any changes necessary to comply with new statutory and regulatory requirements. Failure to comply with the new requirements may negatively impact the Company’s results of operations and financial condition.

 

The Company’s ability to pay dividends is limited by law and contract.

The ability to pay dividends to shareholders largely depends on Sandy Spring Bancorp’s receipt of dividends from Sandy Spring Bank. The amount of dividends that Sandy Spring Bank may pay to Sandy Spring Bancorp is limited by federal laws and regulations. The ability of Sandy Spring Bank to pay dividends is also subject to its profitability, financial condition and cash flow requirements. There is no assurance that Sandy Spring Bank will be able to pay dividends to Sandy Spring Bancorp in the future. The decision may be made to limit the payment of dividends even when the legal ability to pay them exists, in order to retain earnings for other uses. A prohibition from paying dividends on common stock also exists if the required payments on the Company’s subordinated debentures have not been made.

 

Restrictions on unfriendly acquisitions could prevent a takeover of the Company.

The Company’s articles of incorporation and bylaws contain provisions that could discourage takeover attempts that are not approved by the board of directors. The Maryland General Corporation Law includes provisions that make an acquisition of Sandy Spring Bancorp more difficult. These provisions may prevent a future takeover attempt in which the shareholders otherwise might receive a substantial premium for their shares over then-current market prices.

 

These provisions include supermajority provisions for the approval of certain business combinations and certain provisions relating to meetings of shareholders. The Company’s articles of incorporation also authorize the issuance of additional shares without shareholder approval on terms or in circumstances that could deter a future takeover attempt.

 

Future sales of the Company’s common stock or other securities may dilute the value and adversely affect the market price of the Company’s common stock.

In many situations, the board of directors has the authority, without any vote of the Company’s shareholders, to issue shares of authorized but unissued stock, including shares authorized and unissued under the Company’s equity incentive plans. In the future, additional securities may be issued, through public or private offerings, in order to raise additional capital. Any such issuance would dilute the percentage of ownership interest of existing shareholders and may dilute the per share book value of the Company’s common stock. In addition, option holders may exercise their options at a time when the Company would otherwise be able to obtain additional equity capital on more favorable terms.

 

Any changes in the Federal or State tax laws may negatively impact the Company’s financial performance.

The Company is subject to changes in tax law that could increase the effective tax rate payable to the state or federal government. These law changes may be retroactive to previous periods and as a result, could negatively affect the current and future financial performance of the Company.

 

Changes in accounting standards or interpretation of new or existing standards may affect how the Company reports its financial condition and results of operations.

 

From time to time the Financial Accounting Standards Board (“FASB”) and the SEC change accounting regulations and reporting standards that govern the preparation of the Company’s financial statements. In addition, the FASB, SEC, bank regulators and the outside independent auditors may revise their previous interpretations regarding existing accounting regulations and the application of these accounting standards. These changes can be hard to predict and can materially impact how to record and report the Company’s financial condition and results of operations. In some cases, there could be a requirement to apply a new or revised accounting standard retroactively, resulting in the restatement of prior period financial statements.

 

18
 

  

Item 1B. Unresolved Staff Comments

 

None.

 

Item 2. PROPERTIES

 

The Company’s headquarters is located in Olney, Maryland. As of December 31, 2012, Sandy Spring Bank owned 13 of its 49 full-service community banking centers and leased the remaining banking centers. See Note 7 to the Notes to the Consolidated Financial Statements for additional information.

 

Item 3. LEGAL PROCEEDINGS

 

In the normal course of business, the Company becomes involved in litigation arising from the banking, financial, and other activities it conducts. Management, after consultation with legal counsel, does not anticipate that the ultimate liability, if any, arising out of these matters will have a material effect on the Company's financial condition, operating results or liquidity.

 

Item 4. MINE SAFETY DISCLOSURES

 

Not applicable.

 

PART II

 

Item 5.Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

 

Stock Listing

Common shares of Sandy Spring Bancorp, Inc. are listed on the NASDAQ Global Select Market under the symbol “SASR”. At March 1, 2013 there were 2,480 holders of record of the Company’s common stock.

 

Transfer Agent and Registrar

Registrar and Transfer Company, 10 Commerce Drive, Cranford, New Jersey 07016-3572.

 

Dividends

The dividend amount is established by the board of directors each quarter. In making its decision on dividends, the board considers operating results, financial condition, capital adequacy, regulatory requirements, shareholder returns, and other factors. Shareholders received quarterly cash common dividends totaling $11.9 million in 2012, $8.3 million in 2011and $0.9 million in 2010. Dividends have increased from 2010 through 2012 due to the Company’s improved operating results.

 

Share Transactions with Employees

Shares issued under the employee stock purchase plan, which commenced on July 1, 2001, totaled 30,795 in 2012 and 33,284 in 2011, while issuances pursuant to exercises of stock options and grants of restricted stock were 50,418 and 32,890 in the respective years. Shares issued under the director stock purchase plan totaled 1,083 shares in 2012 and 1,833 shares in 2011.

 

19
 

 

 

Quarterly Stock Information

The following table provides stock price activity and dividend payment information for the periods indicated:

 

   2012   2011 
   Stock Price Range   Per Share   Stock Price Range   Per Share 
Quarter  Low   High   Dividend   Low   High   Dividend 
1st  $ 17.01   $ 19.87   $ 0.10   $ 16.19   $ 19.94   $ 0.08 
2nd  $16.66   $18.74    0.12   $16.86   $19.31    0.08 
3rd  $17.58   $19.85    0.12   $13.64   $19.27    0.08 
4th  $16.75   $19.81    0.14   $13.96   $18.78    0.10 
   Total            $0.48             $0.34 

 

Issuer Purchases of Equity Securities

The Company approved a stock repurchase program in August 2011 that permits the repurchase of up to 3% of the Company’s outstanding shares of common stock or approximately 730,000 shares. Repurchases, which will be conducted through open market purchases or privately negotiated transactions, will be made depending on market conditions and other factors. No shares were repurchased during 2012. The Company repurchased 23,592 shares of common stock at an average price of $14.16 per share during the year ended December 31, 2011.

 

Total Return Comparison

The following graph and table show the cumulative total return on the common stock of the Company over the last five years, compared with the cumulative total return of a broad stock market index (the Standard and Poor’s 500 Index or “S&P 500”), and a narrower index of Mid-Atlantic bank holding company peers with assets of $2 billion to $7 billion. The cumulative total return on the stock or the index equals the total increase in value since December 31, 2007, assuming reinvestment of all dividends paid into the stock or the index. The graph and table were prepared assuming that $100 was invested on December 31, 2007, in the common stock and the securities included in the indexes.

 

 

20
 

 

   December 31, 
Index  2007   2008   2009   2010   2011   2012 
Sandy Spring Bancorp, Inc.   100.00    82.00    34.35    71.38    69.32    78.72 
S&P 500   100.00    63.00    79.68    91.68    93.61    108.59 
SASR Peer Group Index*   100.00    107.74    73.92    94.80    76.57    88.88 

 

*The Peer Group Index includes twenty publicly traded bank holding companies, other than the Company, headquartered in the Mid-Atlantic region and with assets of $2 billion to $7 billion. The companies included in this index are: Bancorp, Inc. (DE); BNC Bancorp (NC); Burke and Herbert Bank & Trust Company (VA); Cardinal Financial Corporation (VA); Carter Bank & Trust (VA); City Holding Company (WV); Eagle Bancorp, Inc. (MD); First Bancorp (NC); First Commonwealth Financial Corp. (PA), First Community Bancshares, Inc. (VA); First Financial Bancorp (OH); Hampton Roads Bankshares, Inc. (VA); Lakeland Bancorp, Inc. (NJ); Metro Bancorp, Inc. (PA); S&T Bancorp, Inc. (PA); Stellar One Company (VA); Southern BancShares. Inc. (NC); Sun Bancorp, Inc. (NJ); Tower Bancorp, Inc. (PA); Towne Bank (VA); Union First Market Bankshares Corporation (VA); Univest Company of Pennsylvania (PA); Virginia Commerce Bancorp, Inc. (VA); WesBanco, Inc. (WV); and Yadkin Valley Financial Corp. (NC). Returns are weighted according to the issuer’s stock market capitalization at the beginning of each year shown.

 

Equity Compensation Plans

The following table presents disclosures regarding equity compensation plans in existence at December 31, 2012, consisting only of the 1999 Stock Option Plan (expired but with outstanding options that may still be exercised) and the 2005 Omnibus Stock Plan, each of which was approved by the shareholders.

 

Plan category  Number of securities to be
issued upon exercise of
outstanding options,
warrants and rights		   Weighted average exercise
price of outstanding
options, warrants and rights		   Number of securities remaining
available for future issuance
under equity compensation plans
 (excluding securities reflected in
the first column)		 
Equity compensation plans approved by security holders   440,453   $29.17    1,089,814 
                
Equity compensation plans not approved by security holders   -    -    - 
                
Total   440,453   $29.17    1,089,814 

 

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Item 6. Selected Financial Data

 

Consolidated Summary of Financial Results                    
(Dollars in thousands, except per share data)  2012   2011   2010   2009   2008 
Results of Operations:                         
Tax-equivalent interest income  $149,244   $145,072   $153,185   $160,069   $173,389 
Interest expense   22,651    26,524    32,742    51,522    60,386 
Tax-equivalent net interest income   126,593    118,548    120,443    108,547    113,003 
Tax-equivalent adjustment   5,374    5,602    4,836    4,839    4,544 
Provision for loan and lease losses   3,649    1,428    25,908    76,762    33,192 
Net interest income after provision for loan and lease losses   117,570    111,518    89,699    26,946    75,267 
Non-interest income   46,956    43,500    43,782    43,356    45,525 
Non-interest expenses   109,927    105,071    100,912    101,154    101,371 
Income (loss) before taxes   54,599    49,947    32,569    (30,852)   19,421 
Income tax expense (benefit)   18,045    15,845    9,049    (15,997)   3,642 
Net income (loss)   36,554    34,102    23,520    (14,855)   15,779 
Net income (loss) available to common stockholders   36,554    34,102    17,371    (19,665)   15,445 
                          
Per Share Data:                         
Net income (loss) - basic per share  $1.49   $1.42   $1.05   $(0.90)  $0.96 
Net income (loss) - basic per common share   1.49    1.42    0.78    (1.20)   0.94 
Net income (loss) -diluted per share   1.48    1.41    1.05    (0.90)   0.96 
Net income (loss) - diluted per common share   1.48    1.41    0.78    (1.20)   0.94 
Dividends declared per common share   0.48    0.34    0.04    0.37    0.96 
Book value per common share   19.41    18.52    16.95    17.80    19.05 
Dividends declared to diluted net income per common share   32.43%   24.11%   5.13%   n/m %   102.12%
                          
Period End Balances:                         
Assets  $3,955,206   $3,711,370   $3,519,388   $3,630,478   $3,313,638 
Investment securities   1,075,032    1,164,699    1,042,943    1,023,799    492,491 
Loans and leases   2,531,128    2,239,692    2,156,232    2,298,010    2,490,646 
Deposits   2,913,034    2,656,520    2,549,872    2,696,842    2,365,257 
Borrowings   526,987    584,021    537,001    535,646    522,658 
Stockholders’ equity   483,512    446,109    407,569    373,586    391,862 
                          
Average Balances:                         
Assets  $3,780,084   $3,581,566   $3,612,988   $3,557,234   $3,152,586 
Investment securities   1,062,377    1,129,981    1,039,126    824,802    428,479 
Loans and leases   2,415,459    2,161,759    2,236,885    2,416,470    2,420,040 
Deposits   2,777,098    2,614,220    2,611,009    2,599,284    2,284,648 
Borrowings   510,704    518,784    534,629    535,272    513,237 
Stockholders’ equity   465,719    422,681    441,195    389,221    324,995 
                          
Performance Ratios:                         
Return on average assets   0.97%   0.95%   0.48%   (0.55)%   0.49%
Return on average common equity   7.85    8.07    4.56    (6.35)   4.84 
Yield on average interest-earning assets   4.24    4.37    4.58    4.85    6.02 
Rate on average interest-bearing liabilities   0.89    1.06    1.27    1.97    2.56 
Net interest spread   3.35    3.31    3.31    2.88    3.46 
Net interest margin   3.60    3.57    3.60    3.29    3.92 
Efficiency ratio – GAAP (1)   65.36    67.16    63.31    68.78    65.83 
Efficiency ratio – Non-GAAP (1)   60.94    63.75    60.36    64.37    59.69 
                          
Capital Ratios:                         
Tier 1 leverage   10.98%   10.84%   10.30%   9.09%   11.00%
Tier 1 capital to risk-weighted assets   14.15    14.57    14.11    12.01    12.56 
Total regulatory capital to risk-weighted assets   15.40    15.83    15.37    13.27    13.82 
Tangible common equity to tangible assets - Non-GAAP(2)   9.94    9.68    9.51    5.95    7.18 
Average equity to average assets   12.32    11.80    12.21    10.94    10.31 
                          
Credit Quality Ratios:                         
Allowance for loan losses to loans and leases   1.70%   2.21%   2.88%   2.81%   2.03%
Non-performing loans to total loans   2.29    3.53    4.08    5.82    2.79 
Non-performing assets to total assets   1.61    2.25    2.78    3.89    2.18 
Net charge-offs to average loans and leases   0.42    0.66    1.27    2.61    0.32 

 

(1)See the discussion of the efficiency ratio in the section of Management’s Discussion and Analysis of Financial Condition and Results of Operations entitled “Operating Expense Performance.”
(2)See the discussion of tangible common equity in the section of Management’s Discussion and Analysis of Financial Condition and Results of Operations entitled “Tangible Common Equity.”

 

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Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations

 

Overview

Net income for Sandy Spring Bancorp, Inc. and subsidiaries (the “Company”) for the year ended December 31, 2012 totaled $36.6 million ($1.48 per diluted share), compared to net income of $34.1 million ($1.41 per diluted share) for the prior year. These results reflect the following events:

 

·Net interest income increased 7% in 2012 compared to 2011. This increase was due primarily to growth in average interest-earning assets, largely resulting from higher-earning commercial loans added in the acquisition of CommerceFirst Bancorp, Inc. (“CommerceFirst”) and organic loan growth. Combined with an improved deposit mix, these factors more than offset lower overall earning asset yields.
·The provision for loan and lease losses totaled $3.6 million for 2012 compared to $1.4 million for 2011. The increase in the provision for 2012 compared to the prior year was due primarily to a decline in historical losses in 2011 which caused a credit balance in the provision for the third quarter of 2011, thus reducing the full year provision.
·Non-interest income increased $3.5 million or 8% for 2012 compared to 2011 due largely to growth in income from mortgage banking activities due to a higher volume of refinancing activity.
·Total loans at December 31, 2012 increased 13% compared to the balance at December 31, 2011. This improvement was driven primarily by the growth in loans mentioned above.

 

In 2012, the Mid-Atlantic region in which the Company operates continued to show slow but steady economic improvement. Concerns over a struggling national economy and possible large federal government spending cuts and tax increases (“the fiscal cliff”) at year-end continued to impede both the regional and national economic outlook. While the housing markets have improved, this sector is still significantly below levels experienced in prior economic recoveries. The positive trends in housing and consumer spending have been offset by a contraction in manufacturing and stubbornly high unemployment which have caused uncertainty on the part of both large and small businesses which has limited economic expansion. The financial stability of the European Union continues to be an underlying volatility factor. Together with state and municipal budget challenges across the country, these factors have caused enough economic uncertainty, particularly among individual consumers and small and medium-sized businesses, to suppress confidence and thus constrain the pace of economic expansion and lending. Despite this challenging business environment, the Company has emphasized the fundamentals of community banking as it has maintained strong levels of liquidity and capital while overall credit quality has continued to improve.

 

The net interest margin increased to 3.60% in 2012 compared to 3.57% for 2011. During 2012, the growth in average interest-earning assets and noninterest-bearing deposits largely offset a decline in the average rates earned on interest-earning assets. Average total deposits increased 6%, compared to the prior year, while average loans increased 12% compared to 2011.

 

Liquidity remained strong due to the borrowing lines with the Federal Home Loan Bank of Atlanta and the Federal Reserve and the size and composition of the investment portfolio.

 

The Company’s credit quality continued to improve as non-performing assets decreased to $63.8 million at December 31, 2012 from $83.6 million at December 31, 2011. This decrease was due primarily to a combination of the Company’s continuing efforts at resolution of non-performing loans and reduced migration of existing loans into nonperforming status, particularly in the commercial real estate portfolio. Non-performing assets represented 1.61% of total assets at December 31, 2012 compared to 2.25% at December 31, 2011. The ratio of net charge-offs to average loans and leases was .42% for 2012, compared to .66% for the prior year.

 

At December 31, 2012, the Bank remained above all “well-capitalized” regulatory requirement levels. In addition, tangible book value per common share increased 6% to $15.43 from $14.58 at December 31, 2011.

 

Total assets at December 31, 2012 increased 7% compared to December 31, 2011. Loan balances increased 13% compared to the prior year end due primarily to increases of 15% in residential mortgage and construction loans and 16% in commercial loans, which were somewhat offset by a 1% decrease in consumer loans. The increase in commercial loans was due to organic loan growth during the year and the CommerceFirst acquisition during the second quarter of 2012. Customer funding sources, which include deposits plus other short-term borrowings from core customers, increased 9% compared to balances at December 31, 2011, again due largely to the CommerceFirst acquisition. The increase in customer funding sources was driven primarily by a combined increase of 25% in interest-bearing and noninterest-bearing checking accounts and an increase of 17% in regular savings accounts. These increases were somewhat offset by a 10% decline in certificates of deposit. The Company continued to manage its net interest margin, primarily by reducing rates on certificates of deposit during this extended period of historically low interest rates. During the same period, stockholders’ equity increased to $484 million due to stock issued in connection with the CommerceFirst acquisition and net income in 2012.

 

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Net interest income increased by $8.3 million, or 7% compared to the prior year. The effects of a 17 basis point decrease in the cost of interest-bearing liabilities, growth of 19% in average noninterest-bearing deposits, 6% growth in average interest-earning assets and a 24% decrease in non-performing assets more than offset a decline of 13 basis points in the yield on average interest-earning assets.

 

Non-interest income increased 8% in 2012 compared to 2011. Income from mortgage banking activities increased 87% due to higher volumes and increased average gains from refinancing activity in the current year. In addition, other non-interest income increased 17% over the prior year due to higher gains on asset dispositions and vendor incentives. These increases were somewhat offset by a decrease of 6% in service charges on deposits due to lower overdraft fees.

 

Non-interest expenses increased 5% in 2012 compared to the prior year due primarily to higher salaries and benefits expenses, outside data services costs and professional fees primarily resulting from the CommerceFirst acquisition. These increases were somewhat offset by a 19% decrease in FDIC insurance expense due primarily to improved financial ratios compared to 2011.

 

Critical Accounting Policies

The Company’s consolidated financial statements are prepared in accordance with generally accepted accounting principles (“GAAP”) in the United States of America and follow general practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements may reflect different estimates, assumptions, and judgments. Certain policies inherently rely to a greater extent on the use of estimates, assumptions, and judgments and as such may have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary for assets and liabilities that are required to be recorded at fair value. A decline in the value of assets required to be recorded at fair value will warrant an impairment write-down or valuation allowance to be established. Carrying assets and liabilities at fair value inherently results in more financial statement volatility. The fair values and the information used to record valuation adjustments for certain assets and liabilities are based either on quoted market prices or are provided by other third-party sources, when readily available. Management believes the following accounting policies are the most critical to aid in fully understanding and evaluating our reported financial results:

 

·Allowance for loan and lease losses;
·Goodwill impairment;
·Accounting for income taxes;
·Fair value measurements, including assessment of other than temporary impairment;
·Defined benefit pension plan.

 

Allowance for Loan and Lease Losses

The allowance for loan and lease losses is an estimate of the losses that are inherent in the loan and lease portfolio at the balance sheet date. The allowance is based on the basic principle that a loss be accrued when it is probable that the loss has occurred at the date of the financial statements and the amount of the loss can be reasonably estimated.

 

Management believes that the allowance is adequate. However, its determination requires significant judgment, and estimates of probable losses in the lending portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize probable losses, future additions or reductions to the allowance may be necessary based on changes in the loans and leases comprising the portfolio and changes in the financial condition of borrowers, resulting from changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, and independent consultants engaged by the Company periodically review the loan and lease portfolio and the allowance. Such reviews may result in additional provisions based on their judgments of information available at the time of each examination.

 

The Company’s allowance for loan and lease losses has two basic components: a general allowance reflecting historical losses by loan category, as adjusted by several factors whose effects are not reflected in historical loss ratios, and specific allowances for individually identified loans. Each of these components, and the allowance methodology used to establish them, are described in detail in Note 1 of the Notes to the Consolidated Financial Statements included in this report. The amount of the allowance is reviewed monthly by the Credit and Investment Risk Committee of the board of directors and formally approved quarterly by that same committee of the board.

 

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General allowances are based upon historical loss experience by portfolio segment measured over the prior eight quarters and weighted so that losses realized in the most recent quarters have the greatest effect. The historical loss experience is supplemented to address various risk characteristics of the Company’s loan portfolio including:

 

·trends in delinquencies and other non-performing loans;
·changes in the risk profile related to large loans in the portfolio;
·changes in the categories of loans comprising the loan portfolio;
·concentrations of loans to specific industry segments;
·changes in economic conditions on both a local and national level;
·changes in the Company’s credit administration and loan portfolio management processes; and
·quality of the Company’s credit risk identification processes.

 

The general allowance comprised 88% of the total allowance at December 31, 2012 and 84% at December 31, 2011. The general allowance is calculated in two parts based on an internal risk classification of loans within each portfolio segment. Allowances on loans considered to be “criticized” and “classified” under regulatory guidance are calculated separately from loans considered to be “pass” rated under the same guidance. This segregation allows the Company to monitor the allowance applicable to higher risk loans separate from the remainder of the portfolio in order to better manage risk and ensure the sufficiency of the allowance for loan and lease losses.

 

The portion of the allowance representing specific allowances is established on individually impaired loans. As a practical expedient, for collateral dependent loans, the Company measures impairment based on the net realizable value of the underlying collateral. For loans on which the Company has not elected to use a practical expedient to measure impairment, the Company will measure impairment based on the present value of expected future cash flows discounted at the loan’s effective interest rate. In determining the cash flows to be included in the discount calculation the Company considers the following factors that combine to estimate the probability and severity of potential losses:

 

·the borrower’s overall financial condition;
·resources and payment record;
·demonstrated or documented support available from financial guarantors; and
·the adequacy of collateral value and the ultimate realization of that value at liquidation.

 

At December 31, 2012, the specific allowance accounted for 12% of the total allowance as compared to 16% at December 31, 2011. The estimated losses on impaired loans can differ substantially from actual losses.

 

Goodwill and Other Intangible Asset Impairment

Goodwill represents the excess purchase price paid over the fair value of the net assets acquired in a business combination. Goodwill is not amortized but is tested for impairment annually or more frequently if events or changes in circumstances indicate that the asset might be impaired. Impairment testing requires that the fair value of each of the Company’s reporting units be compared to the carrying amount of the reporting unit’s net assets, including goodwill. The Company’s reporting units were identified based upon an analysis of each of its individual operating segments. If the fair values of the reporting units exceed their book values, no write-down of recorded goodwill is required. If the fair value of a reporting unit is less than book value, an expense may be required to write-down the related goodwill to the proper carrying value. The Company tests for impairment of goodwill as of October 1 of each year using September 30 data and again at any quarter-end if any triggering events occur during a quarter that may affect goodwill. Examples of such events include, but are not limited to, a significant deterioration in future operating results, adverse action by a regulator or a loss of key personnel. Determining the fair value of a reporting unit requires the Company to use a degree of subjectivity.

 

Under current accounting guidance, the Company has the option to assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. Based on the assessment of these qualitative factors, if it is determined that the fair value of a reporting unit is not less than the carrying value, then performing the two-step impairment process, previously required, is unnecessary. However, if it is determined that the carrying value exceeds the fair value the second step, described above, of the two-step process must be performed. The Company has elected this accounting guidance with respect to its Community Banking and Investment Management segments. At September 30, 2012 there was no evidence of impairment of goodwill or intangibles in any of the Company’s reporting units.

 

Other intangible assets represent purchased assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Other intangible assets have finite lives and are reviewed for impairment annually. These assets are amortized over their estimated useful lives on a straight-line basis over varying periods that initially did not exceed 15 years.

 

25
 

 

Accounting for Income Taxes

The Company accounts for income taxes by recording deferred income taxes that reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Management exercises significant judgment in the evaluation of the amount and timing of the recognition of the resulting tax assets and liabilities. The judgments and estimates required for the evaluation are updated based upon changes in business factors and the tax laws. If actual results differ from the assumptions and other considerations used in estimating the amount and timing of tax recognized, there can be no assurance that additional expenses will not be required in future periods. The Company’s accounting policy follows the prescribed authoritative guidance that a minimal probability threshold of a tax position must be met before a financial statement benefit is recognized. The Company recognized, when applicable, interest and penalties related to unrecognized tax benefits in other non-interest expenses in the Consolidated Statements of Income. Assessment of uncertain tax positions requires careful consideration of the technical merits of a position based on management’s analysis of tax regulations and interpretations. Significant judgment may be involved in applying the applicable reporting and accounting requirements.

 

Management expects that the Company’s adherence to the required accounting guidance may result in increased volatility in quarterly and annual effective income tax rates due to the requirement that any change in judgment or measurement of a tax position taken in a prior period be recognized as a discrete event in the period in which it occurs. Factors that could impact management’s judgment include changes in income, tax laws and regulations, and tax planning strategies.

 

Fair Value Measurements

The Company measures certain financial assets and liabilities at fair value in accordance with applicable accounting standards. Significant financial instruments measured at fair value on a recurring basis are investment securities available-for-sale, residential mortgages held for sale and commercial loan interest rate swap agreements. Loans where it is probable that the Company will not collect all principal and interest payments according to the contractual terms are considered impaired loans and are measured on a nonrecurring basis.

 

The Company conducts a quarterly review for all investment securities that have potential impairment to determine whether unrealized losses are other-than-temporary. Valuations for the investment portfolio are determined using quoted market prices, where available. If quoted market prices are not available, valuations are based on pricing models, quotes for similar investment securities, and, where necessary, an income valuation approach based on the present value of expected cash flows. In addition, the Company considers the financial condition of the issuer, the receipt of principal and interest according to the contractual terms and the intent and ability of the Company to hold the investment for a period of time sufficient to allow for any anticipated recovery in fair value.

 

The above accounting policies with respect to fair value are discussed in further detail in “Note 21-Fair Value” to the Consolidated Financial Statements.

 

Defined Benefit Pension Plan

The Company has a qualified, noncontributory, defined benefit pension plan. The plan was frozen for existing entrants after December 31, 2007 and all benefit accruals for employees were frozen as of December 31, 2007 based on past service. Future salary increases and additional years of service will no longer affect the defined benefit provided by the plan although additional vesting may continue to occur.

 

Several factors affect the net periodic benefit cost of the plan, including (1) the size and characteristics of the plan population, (2) the discount rate, (3) the expected long-term rate of return on plan assets and (4) other actuarial assumptions. Pension cost is directly related to the number of employees covered by the plan and other factors including salary, age, years of employment, and the terms of the plan. As a result of the plan freeze, the characteristics of the plan population should not have a materially different effect in future years. The discount rate is used to determine the present value of future benefit obligations. The discount rate is determined by matching the expected cash flows of the plan to a yield curve based on long term, high quality fixed income debt instruments available as of the measurement date, which is December 31 of each year. The discount rate is adjusted each year on the measurement date to reflect current market conditions. The expected long-term rate of return on plan assets is based on a number of factors that include expectations of market performance and the target asset allocation adopted in the plan investment policy. Should actual asset returns deviate from the projected returns, this can affect the benefit plan expense recognized in the financial statements.

 

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Consolidated Average Balances, Yields and Rates

 

   Year Ended December 31, 
   2012   2011   2010 
           Annualized           Annualized           Annualized 
   Average   (1)   Average   Average   (1)   Average   Average   (1)   Average 
(Dollars in thousands and tax-equivalent)  Balances   Interest   Yield/Rate   Balances   Interest   Yield/Rate   Balances   Interest   Yield/Rate 
Assets                                             
Residential mortgage loans (2)  $503,963   $21,281    4.22%  $457,886   $21,971    4.80%  $464,462   $24,838    5.35%
Residential construction loans   125,295    4,581    3.66    89,823    3,410    3.80    88,729    4,037    4.55 
Commercial ADC loans   147,881    7,721    5.22    149,571    6,819    4.56    157,879    6,459    4.09 
Commercial investor real estate loans   421,505    23,167    5.50    349,447    20,213    5.78    335,141    20,174    6.02 
Commercial owner occupied real estate loans   554,397    30,236    5.45    511,692    30,197    5.90    512,008    30,820    6.02 
Commercial business loans   299,462    16,511    5.51    229,825    11,344    4.94    264,281    13,329    5.04 
Leasing   5,117    326    6.36    10,505    707    6.73    20,682    1,460    7.06 
Consumer loans   357,839    12,592    3.52    363,010    13,271    3.68    393,703    15,206    3.88 
Total loans and leases (3)   2,415,459    116,415    4.82    2,161,759    107,932    5.00    2,236,885    116,323    5.20 
Taxable securities   774,030    19,254    2.49    885,023    23,471    2.65    875,292    25,630    2.93 
Tax-exempt securities (4)   288,347    13,463    4.67    244,958    13,590    5.55    163,834    11,052    6.75 
Interest-bearing deposits with banks   42,668    111    0.26    30,270    77    0.25    69,755    177    0.25 
Federal funds sold   724    1    0.18    1,337    2    0.14    1,773    3    0.17 
Total interest-earning assets   3,521,228    149,244    4.24    3,323,347    145,072    4.37    3,347,539    153,185    4.58 
                                              
Less: allowance for loan and lease losses   (46,260)             (56,770)             (69,393)          
Cash and due from banks   46,588              45,721              44,736           
Premises and equipment, net   48,875              49,047              48,738           
Other assets   209,653              220,221              241,368           
Total assets  $3,780,084             $3,581,566             $3,612,988           
                                              
Liabilities and Stockholders' Equity                                             
Interest-bearing demand deposits  $385,004    344    0.09%  $340,110    364    0.11%  $292,106    324    0.11%
Regular savings deposits   212,659    199    0.09    184,050    183    0.10    165,032    164    0.10 
Money market savings deposits   877,546    1,943    0.22    859,608    3,547    0.41    890,187    5,015    0.56 
Time deposits   566,658    4,871    0.86    611,192    6,908    1.13    706,487    11,431    1.62 
Total interest-bearing deposits   2,041,867    7,357    0.36    1,994,960    11,002    0.55    2,053,812    16,934    0.82 
Other borrowings   70,477    204    0.29    78,207    212    0.27    89,932    269    0.30 
Advances from FHLB   405,227    14,131    3.49    405,577    14,397    3.55    409,697    14,599    3.56 
Subordinated debentures   35,000    959    2.74    35,000    913    2.61    35,000    940    2.69 
Total interest-bearing liabilities   2,552,571    22,651    0.89    2,513,744    26,524    1.06    2,588,441    32,742    1.27 
                                              
Noninterest-bearing demand deposits   735,231              619,260              557,197           
Other liabilities   26,563              25,881              26,155           
Stockholders' equity   465,719              422,681              441,195           
Total liabilities and stockholders' equity  $3,780,084             $3,581,566             $3,612,988           
                                              
Net interest income and spread       $126,593    3.35%       $118,548    3.31%       $120,443    3.31%
Less: tax-equivalent adjustment        5,374              5,602              4,836      
Net interest income       $121,219             $112,946             $115,607      
                                              
Interest income/earning assets             4.24%             4.37%             4.58%
Interest expense/earning assets             0.64              0.80              0.98 
Net interest margin             3.60%             3.57%             3.60%

 

(1)Tax-equivalent income has been adjusted using the combined marginal federal and state rate of 39.88% for 2012 and 2011. The annualized taxable-equivalent adjustments utilized in the above table to compute yields aggregated to $5.4 million and $5.6 million in 2012 and 2011, respectively.
(2)Includes residential mortgage loans held for sale. Home equity loans and lines are classified as consumer loans.
(3)Non-accrual loans are included in the average balances.
(4)Includes only investments that are exempt from federal taxes.

 

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Net Interest Income

The largest source of the Company’s operating revenue is net interest income, which is the difference between the interest earned on interest-earning assets and the interest paid on interest-bearing liabilities. For purposes of this discussion and analysis, the interest earned on tax-exempt investment securities has been adjusted to an amount comparable to interest subject to normal income taxes. The result is referred to as tax-equivalent interest income and tax-equivalent net interest income. The following discussion of net interest income should be considered in conjunction with the review of the information provided in the preceding table.

 

2012 vs. 2011

Net interest income for 2012 was $121.2 million compared to $112.9 million for 2011. On a tax-equivalent basis, net interest income for 2012 was $126.6 million compared to $118.5 million for 2011, an increase of 7%. The preceding table provides an analysis of net interest income performance that reflects a net interest margin that increased to 3.60% for 2012 compared to 3.57% for 2011. Average interest-earning assets increased by 6% while average interest-bearing liabilities increased 2% in 2012. Average noninterest-bearing deposits increased 19% in 2012 while the percentage of average noninterest-bearing deposits to total deposits also increased to 26% for 2012 compared to 24% for 2011.

 

2011 vs. 2010

Net interest income for 2011 was $112.9 million compared to $115.6 million for 2010. On a tax-equivalent basis, net interest income decreased by 2% for 2011 to $118.5 million from $120.4 million for 2010 while the net interest margin decreased to 3.57% for 2011 compared to 3.60% for 2010. Average interest-earning assets decreased by 1% while average interest-bearing liabilities decreased 3% in 2011. Average noninterest-bearing deposits increased 11% in 2011 while the percentage of average noninterest-bearing deposits to total deposits also increased to 24% in 2011 compared to 21% in 2010.

 

Effect of Volume and Rate Changes on Net Interest Income

The following table analyzes the reasons for the changes from year-to-year in the principal elements that comprise net interest income:

 

   2012 vs. 2011   2011 vs. 2010 
   Increase           Increase         
   Or   Due to Change In Average:*   Or   Due to Change In Average:* 
(Dollars in thousands and tax equivalent)  (Decrease)   Volume   Rate   (Decrease)   Volume   Rate 
Interest income from earning assets:                              
Loans and leases  $8,483   $12,454   $(3,971)  $(8,391)  $(3,860)  $(4,531)
Securities   (4,344)   (2,156)   (2,188)   379    3,095    (2,716)
Other earning assets   33    29    4    (101)   (102)   1 
Total interest income   4,172    10,327    (6,155)   (8,113)   (867)   (7,246)
                               
Interest expense on funding of earning assets:                              
Interest-bearing demand deposits   (20)   50    (70)   40    49    (9)
Regular savings deposits   16    28    (12)   19    20    (1)
Money market savings deposits   (1,604)   71    (1,675)   (1,468)   (170)   (1,298)
Time deposits   (2,037)   (475)   (1,562)   (4,523)   (1,395)   (3,128)
Total borrowings   (228)   (242)   14    (286)   (480)   194 
Total interest expense   (3,873)   (568)   (3,305)   (6,218)   (1,976)   (4,242)
Net interest income  $8,045   $10,895   $(2,850)  $(1,895)  $1,109   $(3,004)

 

*Variances that are the combined effect of volume and rate, but cannot be separately identified, are allocated to the volume and rate variances based on their respective relative amounts.

 

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Interest Income

2012 vs. 2011

The Company's total tax-equivalent interest income increased 3% for 2012 compared to the prior year. The previous table shows that, in 2012, the increase in average loans and leases more than offset a continued decline in earning asset yields with respect to the loan portfolio which resulted in an increase in total tax-equivalent interest income.

 

In 2012, the average balance of the loan portfolio, including residential mortgage loans held for sale, increased 12% compared to the prior year. This growth was primarily in the owner occupied and investor real estate, commercial business and residential construction and mortgage portfolios. These increases were driven by loans added from the CommerceFirst acquisition in the second quarter of 2012 and organic loan growth as the regional economy slowly improved. The yield on average loans and leases decreased by 18 basis points due to the continued prevailing low interest rate environment as relatively higher rate loans were paid off and new loans were originated at comparatively lower rates. The decline in the portfolio yield was driven primarily by a combined decrease of 52 basis points in the yield in the residential mortgage portfolio together with a decrease of 8 basis points in the yield in the overall commercial loan portfolio. The decrease in the yield on the mortgage loan portfolio was due to declining rates on both new and existing adjustable rate mortgage loans, which the Company does not sell but maintains in the portfolio.

 

The average yield on total investment securities decreased 20 basis points while the average balance of the portfolio decreased 6% or $68 million in 2012 compared to 2011. The decline in investments was necessary to fund growth in the loan portfolio and the CommerceFirst acquisition in the second quarter of 2012. The decrease in the yield on investments was due primarily to calls of securities that were replaced by lower yielding investments as a result of lower overall market rates.

 

2011 vs. 2010

Interest income decreased by $8.1 million or 5% in 2011 compared to 2010 due primarily to a decline in earning asset yields with respect to both the loan and investment portfolios and, to some extent, a decrease in average loans and leases. The yield on average loans and leases decreased by 20 basis points due to the continued prevailing low interest rate environment as relatively higher rate loans were paid off and new loans were originated at comparatively lower rates. In addition, the average balance of the loan portfolio declined 3% in 2011 compared to the prior year as the volume of quality loan demand remained low due to the struggling economy. The decline in the portfolio yield was driven by decreases in all three of the major portfolio segments. The decrease in the average balance of the loan portfolio was driven mainly by declines in commercial business loans, due to soft market demand, and consumer loans, due to pay downs of conventional second mortgage loans and installment loans. The average yield on investment securities decreased 25 basis points while the average balance of the portfolio increased 9% or $91 million in 2011 compared to the prior year. The growth in investments was due to liquidity provided primarily by the decline in loan balances while the decrease in the yield on investments was due to the fact that a significant portion of the portfolio was invested in amortizing securities that were replaced by lower yielding investments as a result of lower overall market rates.

 

Interest Expense

2012 vs. 2011

Interest expense decreased by $3.9 million or 15% in 2012 compared to 2011, primarily as a result of a 17 basis point decrease in the average rate paid on interest-bearing liabilities. Deposit activity during 2012 was driven by the CommerceFirst acquisition and by clients’ emphasis on safety and liquidity as average total deposits increased 6% for the year compared to the prior year. This increase was driven by increases of $161 million or 17% in average noninterest-bearing and interest-bearing checking accounts together with an increase of $29 million or 16% in regular savings accounts as clients kept funds in short-term instruments to preserve liquidity. This growth was partially offset by a decrease in average certificates of deposit of $45 million or 7% in 2012 compared to 2011. This decrease was primarily due to a decline in the rates offered on certificates in an effort to preserve the Company’s net interest margin during this extended period of historically low interest rates. This largely offset the growth in certificates of deposit from the CommerceFirst acquisition. In addition, the average rate paid on advances from the Federal Home Loan Bank of Atlanta decreased 6 basis points for 2012 compared to 2011 due primarily to the restructuring of $120 million of such advances into longer term lower rate instruments during the fourth quarter of 2012. Average balances of money market accounts increased 2% in 2012 compared 2011 as clients maintained liquidity as mentioned above.

 

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2011 vs. 2010

Interest expense decreased by $6.2 million or 19% in 2011 compared to 2010, primarily as a result of a 21 basis point decrease in the average rate paid on deposits and borrowings, which decreased to 1.06% from 1.27%. Deposit activity during 2011 continued to be affected by a very slowly recovering economy and historically low interest rates. Average deposits remained virtually level as average certificates of deposit decreased $95 million or 13% compared to the prior year. This decrease was offset by an increase of $110 million or 13% in average noninterest-bearing and interest-bearing checking accounts as clients redeployed funds into short-term instruments to preserve liquidity. Average balances of money market accounts remained level during 2011 compared to the prior year. During 2011, the Company continued to preserve its net interest margin in the face of reduced loan volumes as it reduced rates on higher cost certificates of deposit thus prompting growth in noninterest-bearing checking accounts. Much of this decrease, particularly in time deposits, was incurred with single product clients, and thus did not significantly affect clients with multiple product relationships.

 

Interest Rate Performance

2012 vs. 2011

The Company’s net interest margin increased to 3.60% for 2012 compared to 3.57% in 2011 while the net interest spread increased to 3.35% in 2012 compared to 3.31% in 2011. The increase in the net interest margin was due primarily to the combination of increased average loan balances, lower rates on money market and time deposits and higher balances of noninterest-bearing deposits.

 

2011 vs. 2010

The declining trend in the net interest margin narrowed to a decrease of only 3 basis points in 2011 compared to 2010, as the net interest spread remained even in 2011 compared to 2010. These two indicators of interest rate performance reflected a decline of 21 basis points in both the yield on interest-earning assets and the rates paid on interest-bearing liabilities.

 

Non-interest Income

Non-interest income amounts and trends are presented in the following table for the years indicated:

 

               2012/2011   2012/2011   2011/2010   2011/2010 
(Dollars in thousands)  2012   2011   2010   $ Change   % Change   $ Change   % Change 
Securities gains  $459   $292   $796   $167    57.2%  $(504)   (63.3)%
Total other-than-temporary impairment ("OTTI") losses   (109)   (178)   (1,505)   69    (38.8)   1,327    (88.2)
Portion of OTTI losses recognized in other comprehensive income before taxes   -    18    993    (18)   (100.0)   (975)   (98.2)
Net OTTI recognized in earnings   (109)   (160)   (512)   51    (31.9)   352    (68.8)
Service charges on deposit accounts   8,910    9,527    10,326    (617)   (6.5)   (799)   (7.7)
Mortgage banking activities   6,032    3,228    3,664    2,804    86.9    (436)   (11.9)
Wealth management income   15,949    15,646    13,725    303    1.9    1,921    14.0 
Insurance agency commissions   4,490    4,650    5,229    (160)   (3.4)   (579)   (11.1)
Income from bank owned life insurance   2,616    2,636    2,800    (20)   (0.8)   (164)   (5.9)
Visa check fees   3,887    3,637    3,325    250    6.9    312    9.4 
Letter of credit fees   992    1,123    1,019    (131)   (11.7)   104    10.2 
Extension fees   590    406    594    184    45.3    (188)   (31.6)
Other income   3,140    2,515    2,816    625    24.9    (301)   (10.7)
Total non-interest income  $46,956   $43,500   $43,782   $3,456    7.9   $(282)   (0.6)

 

2012 vs. 2011

Total non-interest income was $47.0 million for 2012 compared to $43.5 million for 2011. As shown in the table above, the primary drivers of non-interest income for 2012 were increases in income from mortgage banking activities and other non-interest income.

 

Income from mortgage banking activities increased in 2012 compared to 2011 due primarily to higher loan origination volumes and higher average gains on sales, due to both increased refinancing activity and steadily declining rates during the period. In addition, other non-interest income increased compared to the prior year due mainly to higher gains from asset dispositions and other fees.

 

Wealth management income is comprised of income from trust and estate services, investment management fees earned by West Financial Services, the Company’s investment management subsidiary and fees on sales on investment products and services. During 2012, wealth management income increased 2% compared to the prior year. Trust services fees increased 7% compared to the prior year period, due to an increase in assets under management and other one-time fees. Investment management fees in West Financial Services increased 4% for 2012 compared to 2011, also due to higher assets under management. Fees on sales of investment products and services decreased 11% for the year as assets under management declined. Overall total assets under management increased to $2.2 billion at December 31, 2012 compared to $2.1 billion at December 31, 2011.

 

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Income from Visa check fees increased for 2012 compared to the prior year due to a higher volume of electronic transactions while service charges on deposits decreased in 2012 compared to 2011 due primarily to a decline in overdraft fees.

 

Insurance agency commissions decreased 3% in 2012 compared to the prior year due primarily to lower commercial property and casualty revenues. Income from bank owned life insurance remained virtually even for 2012 compared to the prior year. The Company invests in bank owned life insurance products in order to better manage the cost of employee benefit plans. Investments totaled $83.7 million at December 31, 2012 and $81.1 million at December 31, 2011 and were well diversified by carrier in accordance with defined policies and practices. The average tax-equivalent yield on these insurance contract assets was 5.29% for 2012 compared to 5.50% for 2011.

 

Net OTTI losses recognized in earnings in 2012 were $109 thousand compared to $160 thousand for the prior year. The Company recognized net securities gains, exclusive of net OTTI losses which resulted primarily from securities calls during the year.

 

Other non-interest income increased 25% in 2012 compared to 2011 due primarily to gains on sales of property and equipment and vendor incentive fees.

 

2011 vs. 2010

Total non-interest income was $43.5 million in 2011 compared to $43.8 million in 2010. As shown in the table above, the primary drivers of the decrease in non-interest income for 2011 compared to 2010 were decreases in service charges on deposits resulting from lower overdraft fees due to legislation and insurance agency commissions due primarily to a change in the timing of the recognition of renewal premiums that was implemented in 2010. These decreases were largely offset by increases in wealth management revenues due to higher assets under management as a result of market activity and the addition of new clients. Visa check fees increased due to higher volumes of electronic transactions. Net OTTI losses recognized in earnings in 2011 declined compared to 2010 due largely to improved performance by the banks and thrifts whose debt backs one pooled trust preferred security which was solely responsible for all OTTI charges during 2011 and 2010.

 

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Non-interest Expense

Non-interest expense amounts and trends are presented in the following table for the years indicated:

 

               2012/2011   2012/2011   2011/2010   2011/2010 
(Dollars in thousands)  2012   2011   2010   $ Change   % Change   $ Change   % Change 
Salaries and employee benefits  $62,509   $59,625   $55,470   $2,884    4.8%  $4,155    7.5%
Occupancy expense of premises   12,010    11,519    11,477    491    4.3    42    0.4 
Equipment expenses   4,871    4,705    4,808    166    3.5    (103)   (2.1)
Marketing   2,651    2,389    2,359    262    11.0    30    1.3 
Outside data services   5,019    4,159    3,992    860    20.7    167    4.2 
FDIC insurance   2,573    3,187    4,497    (614)   (19.3)   (1,310)   (29.1)
Amortization of intangible assets   1,881    1,845    1,959    36    2.0    (114)   (5.8)
Professional fees   6,309    4,942    5,586    1,367    27.7    (644)   (11.5)
Other real estate owned   905    2,412    976    (1,507)   (62.5)   1,436    147.1 
Postage and delivery   1,255    1,257    1,328    (2)   (0.2)   (71)   (5.3)
Communications   1,596    1,433    1,433    163    11.4    -    - 
Other expenses   8,348    7,598    7,027    750    9.9    571    8.1 
Total non-interest expense  $109,927   $105,071   $100,912   $4,856    4.6   $4,159    4.1 

 

2012 vs. 2011

Non-interest expenses totaled $109.9 million in 2012 compared to $105.1 million in 2011, an increase of 5%. This growth in expenses was due primarily to increases in salaries and benefits expenses, outside data services costs and professional fees, largely as a result of merger expenses incurred in conjunction with the CommerceFirst acquisition. These increases were partially offset by a decrease in other real estate owned expenses due to a lower volume of sales of such properties and a reduction in FDIC expenses due primarily to a regulatory change in the calculation of such premiums that was effective with the second quarter of 2011.

 

Salaries and employee benefits, the largest component of non-interest expenses, increased in 2012 due primarily to higher compensation expenses as a result of the CommerceFirst acquisition and due to merit increases and higher health benefits costs. The average number of full-time equivalent employees remained relatively constant in 2012 compared to 2011.

 

Outside data services expenses increased in 2012 compared to the prior year due primarily to software expenses related to the Company’s merger with CommerceFirst. Occupancy expenses increased for 2012 compared to 2011 due to higher rental expenses due to a larger branch network. This expense was somewhat offset by lower grounds maintenance and utilities expenses as a result of unseasonably mild weather during much of 2012. Equipment expenses increased in 2012 over the prior year due to higher depreciation and software expenses. Marketing expenses increased in 2012 compared to 2011 due to higher advertising costs while amortization of intangible assets remained level in 2012 compared to 2011. The Company’s intangible assets are being amortized over relatively short amortization periods averaging approximately two years at December 31, 2012.

 

FDIC insurance expense decreased in 2012 compared to 2011 due to a regulatory change in the calculation of such premiums that was effective with the second quarter of 2011. Professional fees increased in 2012 compared to 2011 due primarily to higher legal and consulting fees related to the CommerceFirst acquisition mentioned above and from loan workouts.

 

Other real estate owned expenses decreased in 2012 compared to 2011 as the Company opted in 2011 to liquidate a number of other real estate owned properties in order to reduce non-performing assets. Other non-interest expenses increased in 2012 compared to 2011 due mainly to an increase in the Company’s reserve for recourse with respect to sales of mortgage loans.

 

2011 vs. 2010

Non-interest expenses totaled $105.1 million in 2011 compared to $100.9 million in the prior year, an increase of 4%. Salaries and employee benefits, the largest component of non-interest expenses, increased in 2011 due primarily to higher compensation expenses as a result of specific targeted staff additions, merit increases and higher incentive compensation expenses related to organic growth in specific product offerings compared to the prior year. The number of average full-time equivalent employees remained relatively constant from 2010 to 2011. FDIC insurance expense decreased in 2011 compared to 2010 due to a regulatory change in the calculation of such premiums that was effective with the second quarter of 2011.

 

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Professional fees declined in the current year as the Company completed the staffing of its internal audit function which had previously been outsourced. Other real estate owned expenses increased in 2011 compared to 2010 due to losses on sales of other real estate owned as the Company made a concerted effort to dispose of such nonperforming assets. Other non-interest expenses increased compared to 2010 due mainly to higher personnel recruiting expenses and increased state franchise taxes.

 

Operating Expense Performance

Management views the GAAP efficiency ratio as an important financial measure of expense performance and cost management. The ratio expresses the level of non-interest expenses as a percentage of total revenue (net interest income plus total non-interest income). Lower ratios indicate improved productivity.

 

Non-GAAP Financial Measures

The Company also uses a traditional efficiency ratio that is a non-GAAP financial measure of operating expense control and efficiency of operations. Management believes that its traditional ratio better focuses attention on the operating performance of the Company over time than does a GAAP ratio, and is highly useful in comparing period-to-period operating performance of the Company’s core business operations. It is used by management as part of its assessment of its performance in managing non-interest expenses. However, this measure is supplemental, and is not a substitute for an analysis of performance based on GAAP measures. The reader is cautioned that the non-GAAP efficiency ratio used by the Company may not be comparable to GAAP or non-GAAP efficiency ratios reported by other financial institutions.

 

In general, the efficiency ratio is non-interest expenses as a percentage of net interest income plus non-interest income. Non-interest expenses used in the calculation of the non-GAAP efficiency ratio exclude goodwill impairment losses, the amortization of intangibles, and non-recurring expenses. Income for the non-GAAP ratio includes the favorable effect of tax-exempt income, and excludes securities gains and losses, which vary widely from period to period without appreciably affecting operating expenses, and non-recurring gains. The measure is different from the GAAP efficiency ratio, which also is presented in this report. The GAAP measure is calculated using non-interest expense and income amounts as shown on the face of the Consolidated Statements of Income. The GAAP and non-GAAP efficiency ratios are reconciled and provided in the following table. The non-GAAP efficiency ratio decreased in 2012 compared to the prior year due primarily to an increase in net interest income, and to a lesser extent, an increase in non-interest income. The GAAP efficiency ratio decreased in 2012 compared to 2011 due to the impact of higher net interest income and non-interest income which offset an increase in non-interest expenses driven by merger expenses from the CommerceFirst acquisition.

 

In addition, the Company uses pre-tax pre-provision pre-merger expense income as a measure of the level of recurring income before taxes. Management believes this provides financial statement users with a useful metric of the run-rate of revenues and expenses which is readily comparable to other financial institutions. This measure is calculated by adding (subtracting) the provision (credit) for loan and lease losses, the provision for income taxes and merger expenses back to net income. This metric increased in 2012 compared to the prior year due primarily to higher net interest income.

 

 

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GAAP and Non-GAAP Efficiency Ratios

 

   Year ended December 31, 
(Dollars in thousands)  2012   2011   2010   2009   2008 
Pre-tax pre-provision pre-merger expense income:                         
Net income  $36,554   $34,102   $23,520   $(14,855)  $15,779 
Plus non-GAAP adjustment:                         
Merger expenses   2,500    -    -    -    - 
Income taxes   18,045    15,845    9,049    (15,997)   3,642 
Provision for loan and lease losses   3,649    1,428    25,908    76,762    33,192 
Pre-tax pre-provision pre-merger expense income  $60,748   $51,375   $58,477   $45,910   $52,613 
                          
GAAP efficiency ratio:                         
Non-interest expenses  $109,927   $105,071   $100,912   $101,154   $101,371 
                          
Net interest income plus non-interest income  $168,175   $156,446   $159,389   $147,064   $153,984 
                          
GAAP efficiency ratio   65.36%   67.16%   63.31%   68.78%   65.83%
                          
                          
Non-GAAP efficiency ratio:                         
Non-interest expenses  $109,927   $105,071   $100,912   $101,154   $101,371 
Plus non-GAAP adjustment:                         
Pension prior service credit   -    -    -    -    1,473 
Less non-GAAP adjustment:                         
Amortization of intangible assets   1,881    1,845    1,959    3,646    4,447 
Goodwill impairment loss   -    -    -    -    4,159 
Merger expenses   2,500    -    -    -    - 
Non-interest expenses - as adjusted  $105,546   $103,226   $98,953   $97,508   $94,238 
                          
Net interest income plus non-interest income  $168,175   $156,446   $159,389   $147,064   $153,984 
Plus non-GAAP adjustment:                         
Tax-equivalent income   5,374    5,602    4,836    4,839    4,544 
Less non-GAAP adjustments:                         
Securities gains   459    292    796    418    663 
OTTI recognized in earnings   (109)   (160)   (512)   -    - 
Net interest income plus non-interest income - as adjusted  $173,199   $161,916   $163,941   $151,485   $157,865 
                          
Non-GAAP efficiency ratio   60.94%   63.75%   60.36%   64.37%   59.70%

 

Income Taxes

The Company had income tax expense of $18.0 million in 2012, compared to expense of $15.8 million in 2011 and $9.0 million in 2010. The resulting effective rates were 33% for 2012, 32% for 2011 and 28% for 2010. The increase in the effective tax rate in both 2012 and 2011 over their respective prior years was due primarily to a higher proportion of income before taxes that was taxed at the full statutory rate compared to tax exempt income.

 

FINANCIAL CONDITION

The Company's total assets were $4.0 billion at December 31, 2012, increasing $244 million or 7% compared to $3.7 billion at December 31, 2011. Interest-earning assets increased $217 million to $3.7 billion at December 31, 2012 compared to December 31, 2011. The increase in interest-earning assets was primarily due to the CommerceFirst acquisition in the second quarter of 2012 which added $172 million in interest-earning assets at the date of the acquisition.

 

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Loans and Leases

A comparison of loan portfolio for the years indicated is presented in the following table:

 

   December 31, 2012   December 31, 2011   Period-to-Period Change 
(Dollars in thousands)  Amount   %   Amount   %   $ Change   % Change 
Residential real estate:                              
Residential mortgage  $523,364    20.7%  $448,662    20.0%  $74,702    16.7%
Residential construction   120,314    4.8    108,699    4.9    11,615    10.7 
Commercial real estate:                              
Commercial owner occupied real estate   571,510    22.6    522,076    23.3    49,434    9.5 
Commercial investor real estate   456,888    18.0    371,948    16.6    84,940    22.8 
Commercial acquisition, development and construction   151,933    6.0    160,946    7.2    (9,013)   (5.6)
Commercial Business   346,708    13.7    260,327    11.6    86,381    33.2 
Leases   3,421    0.1    6,954    0.3    (3,533)   (50.8)
Consumer   356,990    14.1    360,080    16.1    (3,090)   (0.9)
Total loans and leases  $2,531,128    100.0%  $2,239,692    100.0%  $291,436    13.0 

 

Total loans and leases, excluding loans held for sale, increased $291 million or 13% at December 31, 2012 compared to December 31, 2011. Excluding the loans acquired in the second quarter through the CommerceFirst transaction, total loans and leases increased $136 million or 6%. The residential real estate portfolio, which is comprised of residential construction and permanent residential mortgage loans, reflected a 15% increase at December 31, 2012 compared to December 31, 2011. Permanent residential mortgages, most of which are 1-4 family, increased 17% due to higher loan origination volumes of adjustable rate mortgage loans. The Company generally retains such adjustable rate mortgages in its portfolio and sells the fixed rate mortgages that it originates in the secondary mortgage market. Residential construction loans increased 11% at December 31, 2012 compared to the balance at December 31, 2011 due to increased construction activity as a result of mild weather conditions and low interest rates.

 

The commercial loan portfolio increased by $212 million to $1.5 billion at December 31, 2012 compared to the prior year end largely due to the CommerceFirst acquisition. The increase in commercial loans was due to a 33% increase in commercial business loans, a 23% increase in commercial investor real estate loans and a 9% increase in commercial owner occupied real estate loans at December 31, 2012 compared to December 31, 2011. Commercial ADC loans decreased 6% at December 31, 2012 compared to December 31, 2011 as the Company reduced its exposure to this segment of the portfolio. Excluding the effect of the CommerceFirst acquisition, the commercial loan portfolio increased 4% or $57 million due primarily to increases of 12% in commercial investor real estate loans and 8% in commercial business loans.

 

The consumer loan portfolio remained virtually level at $357 million at December 31, 2012 compared to December 31, 2011. Equity lines of credit increased 3% in 2012. This increase was offset by declines in installment loans and conventional second mortgage loans due to weak consumer demand as a result of the state of the regional and national economy.

 

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Analysis of Loans and Leases

The trends in the composition of the loan and lease portfolio over the previous five years are presented in following table:

 

   December 31, 
(Dollars in thousands)  2012   %   2011   %   2010   %   2009   %   2008   % 
Residential real estate:                                                  
Residential mortgage  $523,364    20.7%  $448,662    20.0%  $436,534    20.2%  $457,414    19.9%  $457,571    18.4%
Residential construction   120,314    4.8    108,699    4.9    91,273    4.2    92,283    4.0    189,249    7.6 
Commercial real estate:                                                  
Commercial mortgage*   1,028,398    40.6    894,024    39.9    831,068    38.6    894,951    39.0    847,452    34.0 
Commercial AD&C*   151,933    6.0    160,946    7.2    151,061    7.0    131,789    5.7    223,169    9.0 
Commercial business   346,708    13.7    260,327    11.6    250,255    11.6    296,220    12.9    333,758    13.4 
Leases   3,421    0.1    6,954    0.3    15,551    0.7    25,704    1.1    33,220    1.3 
Consumer   356,990    14.1    360,080    16.1    380,490    17.7    399,649    17.4    406,227    16.3 
Total loans and leases  $2,531,128    100.0%  $2,239,692    100.0%  $2,156,232    100.0%  $2,298,010    100.0%  $2,490,646    100.0%

 

*Prior to 2010, the commercial mortgage category included loans on raw land or for projects that had not begun any construction activities. Subsequent to December 31, 2009, these loans were included in the commercial AD&C loan portfolio.

 

Loan Maturities and Interest Rate Sensitivity

Loan maturities and interest rate characteristics for specific lending portfolios is presented in the following table:

 

   At December 31, 2012 
   Remaining Maturities of Selected Credits in Years 
(In thousands)  1 or less   Over 1-5   Over 5   Total 
Residential construction loans  $71,884   $47,473   $957   $120,314 
Commercial AD&C loans   136,098    11,550    4,285    151,933 
Commercial business loans (1)   237,890    97,241    11,577    346,708 
Total  $445,872   $156,264   $16,819   $618,955 
                     
Rate Terms:                    
Fixed  $53,788   $80,735   $15,962   $150,485 
Variable or adjustable   392,084    75,529    857    468,470 
Total  $445,872   $156,264   $16,819   $618,955 

 

(1) Loans not secured by real estate

 

Investment Securities

The investment portfolio, consisting of available-for-sale, held-to-maturity and other equity securities, decreased 8% or $90 million to $1.1 billion at December 31, 2012, from $1.2 billion at December 31, 2011.

 

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Composition of Investment Securities

The composition of investment securities for the periods indicated is presented in the following table:

 

   At December 31, 
(Dollars in thousands)  2012   %   2011   %   2010   % 
Available-for-Sale: (1)                              
U.S. government agencies and corporations  $156,428    14.6%  $200,252    17.2%  $306,705    29.4%
State and municipal   174,491    16.3    173,111    14.9    107,537    10.3 
Mortgage-backed (2)   490,479    45.6    570,144    48.9    486,961    46.7 
Corporate debt   1,996    0.2    1,978    0.2    -    - 
Trust preferred   1,465    0.1    5,716    0.5    5,980    0.6 
Marketable equity securities   723    -    100    -    100    - 
Total available-for-sale securities (3)   825,582    76.8    951,301    81.7    907,283    87.0 
                               
Held-to-Maturity and Other Equity                              
U.S. government agencies and corporations   64,498    6.0    54,983    4.7    -    - 
State and municipal   150,995    14.1    123,075    10.6    101,091    9.7 
Mortgage-backed (2)   321    -    407    -    499    - 
Other equity securities   33,636    3.1    34,933    3.0    34,070    3.3 
Total held-to-maturity and other equity securities   249,450    23.2    213,398    18.3    135,660    13.0 
Total securities (3)  $1,075,032    100.0%  $1,164,699    100.0%  $1,042,943    100.0%

 

(1)At estimated fair value.
(2)Issued by a U. S. Government Agency or secured by U.S. Government Agency collateral.
(3)The outstanding balance of no single issuer, except for U.S. Government Agency securities, exceeded ten percent of stockholders' equity at December 31, 2012, 2011 or 2010.

 

During 2012, the decrease in the investment portfolio was due primarily to maturities and calls of securities, the proceeds of which were used to fund the organic growth in the loan portfolio. The decrease in available-for-sale securities was due largely to calls mentioned above while the increase in held-to-maturity securities was due primarily to a change in management’s internal guidelines with respect to the composition of the portfolio.

 

The investment portfolio consists primarily of U.S. Agency securities, U.S. Agency mortgage-backed securities, U.S. Agency collateralized mortgage obligations and state and municipal securities. The duration of the portfolio was 3.4 years at December 31, 2012 and 3.1 years at December 31, 2011. The Company considers the duration of the portfolio to be adequate for liquidity purposes. This investment strategy has resulted in a portfolio with low credit risk that would provide the required liquidity needed to meet increased loan demand. The portfolio is monitored on a continuing basis with consideration given to interest rate trends and the structure of the yield curve and with constant assessment of economic projections and analysis.

 

At December 31, 2012, the trust preferred portfolio included one pooled trust preferred security backed by debt issued by banks and thrifts, which totaled $1.7 million, with a fair value of $1.4 million. The fair value of this security was determined by a third party valuation specialist due to the limited trading activity for this security in the marketplace. The specialist used an income valuation approach technique (present value) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs. The methodology, observable inputs and significant assumptions employed by the specialist to determine fair value are provided in Note 3 – Investment Securities in the Notes to the Consolidated Financial Statements.

 

As a result of this valuation, it was determined that the pooled trust preferred security had incurred credit-related OTTI of $0.1 million, which was recognized in earnings for the twelve months ended December 31, 2012. Cumulative credit-related OTTI of $0.5 million has been recognized in earnings through December 31, 2012. Non-credit related OTTI on this security, which is not expected to be sold and which the Company has the ability to hold until maturity, was $0.3 million at December 31, 2012. This non-credit related OTTI was recognized in accumulated other comprehensive income (“OCI”) at December 31, 2012.

 

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Maturities and weighted average yields for investment securities available-for-sale and held-to-maturity at December 31, 2012 are presented in the following table. Amounts appear in the table at amortized cost, without market value adjustments, by stated maturity.

 

Maturity of Investment Securities

 

   Years to Maturity at December 31, 2012         
   Within   After One Year   After Five Years                 
   One Year or Less   Through Five years   Through Ten Years   Over Ten Years         
(Dollars in thousands)  Amount   Yield   Amount   Yield   Amount   Yield   Amount   Yield   Total   Yield 
Available-for-Sale(1)                                                  
U. S. government agencies                                                  
and corporations  $35,544    2.78%  $-    -%  $119,898    1.81%  $-    -%  $155,442    2.03%
State and municipal (2)   -    -    1,950    2.97    125,399    4.62    33,147    4.98    160,496    4.68 
Mortgage-backed   -    -    7    4.52    137,660    2.59    333,860    2.86    471,527    2.78 
Corporate debt   -    -    2,000    2.31    -    -    -    -    2,000    2.31 
Trust preferred   -    -    -         -    -    1,701    9.24    1,701    9.24 
Total  $35,544    2.78  $3,957    2.64  $382,957    3.01  $368,708    3.08  $791,166    3.03
                                                   
Held-to-Maturity (1)                                                  
U. S. government agencies                                                  
and corporations  $-    -%  $-    -%  $64,498    2.06%  $-    -%  $64,498    2.06%
State and municipal   7,431    8.78    4,653    5.89    52,207    4.67    86,704    3.83    150,995    4.43 
Mortgage-backed   -    -    -    -    30    5.93    291    5.68    321    5.70 
Total  $7,431    8.78  $4,653    5.89  $116,735    3.23  $86,995    3.84  $215,814    3.72

 

(1)At cost, adjusted for amortization and accretion of purchase premiums and discounts, respectively.
(2)Yields on state and municipal securities have been calculated on a tax-equivalent basis using the applicable federal income tax rate of 35%.

 

Other Earning Assets

Residential mortgage loans held for sale increased $11 million to $36 million as of December 31, 2012 from $25 million as of December 31, 2011. The aggregate of federal funds sold and interest-bearing deposits with banks increased $4 million to $27 million in 2012.

 

Deposits

The composition of deposits for the periods indicated is presented in the following table:

 

   December 31, 2012   December 31, 2011   Period-to-Period Change 
(Dollars in thousands)  Amount   %   Amount   %   $ Change   % change 
Noninterest-bearing deposits  $847,415    29.1%  $650,377    24.5%  $197,038    30.3%
Interest-bearing deposits:                              
Demand   428,048    14.7    367,682    13.8    60,366    16.4 
Money market savings   884,367    30.4    858,732    32.3    25,634    3.0 
Regular savings   228,384    7.8    195,408    7.4    32,976    16.9 
Time deposits of less than $100,000   307,445    10.5    316,058    11.9    (8,613)   (2.7)
Time deposits of $100,000 or more   217,375    7.5    268,263    10.1    (50,887)   (19.0)
Total interest-bearing deposits   2,065,619    70.9    2,006,143    75.5    59,476    3.0 
Total deposits  $2,913,034    100.0%  $2,656,520    100.0%  $256,514    9.7 

 

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Deposits and Borrowings

Total deposits increased $257 million or 10% at December 31, 2012 compared to December 31, 2011. This increase in deposits was driven by organic deposit growth of $161 million together with deposits of $96 million added from the CommerceFirst acquisition. Excluding the deposits added through the CommerceFirst acquisition, total deposits increased 6%. Increases in noninterest-bearing and interest-bearing checking accounts together with regular savings accounts were the primary drivers of the overall deposit portfolio increase compared to the prior year. The activity in these deposit products can be attributed primarily to clients’ emphasis on safety and liquidity considering the current extended period of low interest rates and the volatility of alternative investments. Certificates of deposit decreased 10% compared to the prior year end, as the Company managed its deposit mix to improve its net interest margin. Excluding the certificates added from the CommerceFirst acquisition, certificates decreased 17%. Prior to the acquisition, CommerceFirst had relied on brokered deposits to fund its loan growth. These deposits are being replaced by organic deposit growth as they reach maturity. Total borrowings decreased 10% at December 31, 2012 compared to December 31, 2011. This decrease was due primarily to a reduction of $45 million in short-term borrowings from the Federal Home Loan Bank of Atlanta. Such borrowings have been utilized primarily to temporarily fund, at very low interest rates, increases in loans late in the fourth quarter of 2012 and 2011.

 

Capital Management

Management monitors historical and projected earnings, dividends and asset growth, as well as risks associated with the various types of on- and off-balance sheet assets and liabilities, in order to determine appropriate capital levels. During 2012, total stockholders' equity increased $38 million to $484 million at December 31, 2012, from $446 million at December 31, 2011. This increase was due primarily to stock issued in conjunction with the CommerceFirst acquisition and net income during the period. The ratio of average equity to average assets was 12.32% for 2012, as compared to 11.80% for 2011.

 

Bank holding companies and banks are required to maintain capital ratios in accordance with guidelines adopted by the federal bank regulators. These guidelines are commonly known as Risk-Based Capital guidelines. The actual regulatory ratios and required ratios for capital adequacy, in addition to the ratios required to be categorized as “well capitalized”, are summarized for the Company in the following table.

 

Risk-Based Capital Ratios

 

       Minimum 
   Ratios at December 31,   Regulatory 
   2012   2011   Requirements 
Total Capital to risk-weighted assets   15.40%   15.83%   8.00%
                
Tier 1 Capital to risk-weighted assets   14.15%   14.57%   4.00%
                
Tier 1 Leverage   10.98%   10.84%   3.00%

 

Tier 1 capital of $419.6 million and total qualifying capital of $456.8 million each included $35.0 million in trust preferred securities that are considered regulatory capital for purposes of determining the Company’s Tier 1 capital ratio. As of December 31, 2012, the most recent notification from the Bank’s primary regulator categorized the Bank as a "well-capitalized" institution under the prompt corrective action rules of the Federal Deposit Insurance Act. Designation as a well-capitalized institution under these regulations is not a recommendation or endorsement of the Company or the Bank by federal bank regulators.

 

In June 2012, the Federal Reserve, FDIC and OCC issued three joint Notices of Proposed Rulemaking (“NPRs”) to address the implementation of the proposed Basel III regulatory capital framework for U.S. financial institutions, including proposed minimum capital requirements, definitions of qualifying capital instruments, and risk-weighted asset calculations. As proposed, it appears that the Company’s risk-weighted assets may increase primarily due to changes in the ranges of risk-weightings for residential mortgages and home equity loans. However, the effect of this change may be offset by revised definitions of qualifying capital instruments. The Company has analyzed the possible effect of the proposed NPRs and currently estimates that our risk-based capital ratios will exceed the proposed requirements on a fully phased-in basis. The regulatory agencies have asked financial institutions to comment on the NPRs and are expected to review the feedback and draft final rules, which could take some time to complete. As a result, the final rules may differ from the current NPRs, which currently provide for an extended phase-in over several years. The Company will continue to analyze the proposed NPRs as changes are communicated by the regulatory agencies.

 

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Tangible Common Equity

Tangible equity, tangible assets and tangible book value per share are non-GAAP financial measures calculated using GAAP amounts. Tangible common equity and tangible assets exclude the balances of goodwill and other intangible assets from stockholder’s equity and total assets, respectively. Management believes that this non-GAAP financial measure provides information to investors that may useful in understanding our financial condition. Because not all companies use the same calculation of tangible equity and tangible assets, this presentation may not be comparable to other similarly titled measures calculated by other companies. A reconciliation of the non-GAAP ratio of tangible equity to tangible assets and tangible book value per share are provided in the following table.

 

Tangible Common Equity Ratio – Non-GAAP

 

   December 31, 
(Dollars in thousands, except per share data)  2012   2011   2010   2009   2008 
Tangible common equity ratio:                         
Total stockholders' equity  $483,512   $446,109   $407,569   $373,586   $391,862 
Accumulated other comprehensive income (loss)   (11,312)   (13,248)   2,620    2,652    7,572 
Goodwill   (84,808)   (76,816)   (76,816)   (76,816)   (76,248)
Other intangible assets, net   (3,163)   (4,734)   (6,578)   (8,537)   (12,183)
Preferred stock   -    -    -    (80,095)   (79,440)
Tangible common equity  $384,229   $351,311   $326,795   $210,790   $231,563 
                          
Total assets  $3,955,206   $3,711,370   $3,519,388   $3,630,478   $3,313,638 
Goodwill   (84,808)   (76,816)   (76,816)   (76,816)   (76,248)
Other intangible assets, net   (3,163)   (4,734)   (6,578)   (8,537)   (12,183)
Tangible assets  $3,867,235   $3,629,820   $3,435,994   $3,545,125   $3,225,207 
                          
Tangible common equity ratio   9.94%   9.68%   9.51%   5.95%   7.18%
Tangible book value per share  $15.43   $14.58   $13.59   $12.78   $14.12 

 

Credit Risk

The fundamental lending business of the Company is based on understanding, measuring and controlling the credit risk inherent in the loan portfolio. The Company’s loan and lease portfolio is subject to varying degrees of credit risk. Credit risk entails both general risks, which are inherent in the process of lending, and risk specific to individual borrowers. The Company’s credit risk is mitigated through portfolio diversification, which limits exposure to any single customer, industry or collateral type. Typically, each consumer and residential lending product has a generally predictable level of credit losses based on historical loss experience. Home mortgage and home equity loans and lines generally have the lowest credit loss experience. Loans secured by personal property, such as auto loans, generally experience medium credit losses. Unsecured loan products, such as personal revolving credit, have the highest credit loss experience and for that reason, the Company has chosen not to engage in a significant amount of this type of lending. Credit risk in commercial lending can vary significantly, as losses as a percentage of outstanding loans can shift widely during economic cycles and are particularly sensitive to changing economic conditions. Generally, improving economic conditions result in improved operating results on the part of commercial customers, enhancing their ability to meet their particular debt service requirements. Improvements, if any, in operating cash flows can be offset by the impact of rising interest rates that may occur during improved economic times. Inconsistent economic conditions may have an adverse affect on the operating results of commercial customers, reducing their ability to meet debt service obligations.

 

Current economic data has shown that while the Mid-Atlantic region is one of the stronger markets in the nation, the Company is continuing to deal with the lingering impact of a very slowly recovering economy and its resulting effects on the Company’s borrowers, particularly in the real estate sector. Total non-performing loans decreased to $58 million or 27% at December 31, 2012 compared to the balance at December 31, 2011. While the diversification of the lending portfolio among different commercial, residential and consumer product lines along with different market conditions of the D.C. suburbs, Northern Virginia and Baltimore metropolitan area has mitigated some of the risks in the portfolio, local economic conditions and levels of non-performing loans may continue to be influenced by the current slow and uneven economic recovery on both a regional and national level.

 

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To control and manage credit risk, management has a credit process in place to reasonably ensure credit standards are maintained along with an in-house loan administration accompanied by oversight and review procedures. The primary purpose of loan underwriting is the evaluation of specific lending risks and involves the analysis of the borrower’s ability to service the debt as well as the assessment of the value of the underlying collateral. Oversight and review procedures include the monitoring of portfolio credit quality, early identification of potential problem credits and the aggressive management of problem credits. As part of the oversight and review process, the Company maintains an allowance for loan and lease losses (the “allowance”).

 

The allowance represents an estimation of the losses that are inherent in the loan and lease portfolio. The adequacy of the allowance is determined through careful and ongoing evaluation of the credit portfolio, and involves consideration of a number of factors, as outlined below, to establish an adequate allowance for loan losses. Determination of the allowance is inherently subjective and requires significant estimates, including estimated losses on pools of homogeneous loans and leases based on historical loss experience and consideration of current economic trends, which may be susceptible to significant change. Loans and leases deemed uncollectible are charged against the allowance, while recoveries are credited to the allowance. Management adjusts the level of the allowance through the provision for loan and lease losses, which is recorded as a current period operating expense.

 

The methodology for assessing the appropriateness of the allowance includes: (1) a general allowance that reflects historical losses, as adjusted, by credit category, and (2) a specific allowance for impaired credits on an individual or portfolio basis. This methodology is further described in the section entitled “Critical Accounting Policies” and in “Note 1 – Significant Accounting Policies” of the Notes to the Consolidated Financial Statements. The amount of the allowance is reviewed monthly and approved quarterly by the Credit and Investment Risk Committee of the board of directors.

 

The Company recognizes a collateral dependent lending relationship as non-performing when either the loan becomes 90 days delinquent or as a result of factors (such as bankruptcy, interruption of cash flows, etc.) considered at the monthly credit committee meeting. When a commercial loan is placed on non-accrual status, it is considered to be impaired and all accrued but unpaid interest is reversed. Classification as an impaired loan is based on a determination that the Company may not collect all principal and interest payments according to contractual terms. Impaired loans exclude large groups of smaller-balance homogeneous loans that are collectively evaluated for impairment such as leases, residential real estate and consumer loans. Typically, all payments received on non-accrual loans are applied to the remaining principal balance of the loans. Integral to the assessment of the allowance process is an evaluation that is performed to determine whether a specific allowance on an impaired loan is warranted and, when losses are confirmed, a charge-off is taken to reduce the loan to its net realizable value. Any further collateral deterioration results in either further specific allowances being established or additional charge-offs. At such time an action plan is agreed upon for the particular loan and an appraisal will be ordered depending on the time elapsed since the prior appraisal, the loan balance and/or the result of the internal evaluation. A current appraisal on large loans is usually obtained if the appraisal on file is more than 12 months old and there has been a material change in market conditions, zoning, physical use or the adequacy of the collateral based on an internal evaluation. The Company’s policy is to strictly adhere to regulatory appraisal standards. If an appraisal is ordered, no more than a 30 day turnaround is requested from the appraiser, who is selected by Credit Administration from an approved appraiser list. After receipt of the updated appraisal, the assigned credit officer will recommend to the Chief Credit Officer whether a specific allowance or a charge-off should be taken. The Chief Credit Officer has the authority to approve a specific allowance or charge-off between monthly credit committee meetings to insure that there are no significant time lapses during this process.

 

The Company’s methodology for evaluating whether a loan is impaired begins with risk-rating credits on an individual basis and includes consideration of the borrower’s overall financial condition, payment record and available cash resources that may include the sufficiency of collateral value and, in a select few cases, verifiable support from financial guarantors. In measuring impairment, the Company looks primarily to the discounted cash flows of the project itself or to the value of the collateral as the primary sources of repayment of the loan. The Company may consider the existence of guarantees and the financial strength and wherewithal of the guarantors involved in any loan relationship. Guarantees may be considered as a source of repayment based on the guarantor’s financial condition and respective payment capacity. Accordingly, absent a verifiable payment capacity, a guarantee alone would not be sufficient to avoid classifying the loan as impaired.

 

Management has established a credit process that dictates that structured procedures be performed to monitor these loans between the receipt of an original appraisal and the updated appraisal. These procedures include the following:

 

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·An internal evaluation is updated quarterly to include borrower financial statements and/or cash flow projections.

 

·The borrower may be contacted for a meeting to discuss an updated or revised action plan which may include a request for additional collateral.

 

·Re-verification of the documentation supporting the Company’s position with respect to the collateral securing the loan.

 

·At the monthly credit committee meeting the loan may be downgraded and a specific allowance may be decided upon in advance of the receipt of the appraisal.

 

·Upon receipt of the updated appraisal (or based on an updated internal financial evaluation) the loan balance is compared to the appraisal and a specific allowance is decided upon for the particular loan, typically for the amount of the difference between the appraisal and the loan balance.

 

·The Company will specifically reserve for or charge-off the excess of the loan amount over the amount of the appraisal. In certain cases the Company may establish a larger reserve due to knowledge of current market conditions or the existence of an offer for the collateral that will facilitate a more timely resolution of the loan.

 

If an updated appraisal is received subsequent to the preliminary determination of a specific allowance or partial charge-off, and it is less than the initial appraisal used in the initial charge-off, an additional specific allowance or charge-off is taken on the related credit. Partially charged-off loans are not written back up based on updated appraisals and always remain on non-accrual with any and all subsequent payments applied to the remaining balance of the loan as principal reductions. No interest income is recognized on loans that have been partially charged-off.

 

Loans that have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief or other concessions, to a borrower experiencing financial difficulty are considered troubled debt restructured loans (TDR’s). All restructurings that constitute concessions to a borrower experiencing financial difficulties are considered impaired loans and may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided there is a sufficient period of payment performance in accordance with the restructure terms. Loans may be removed from disclosure as an impaired loan in the year subsequent to the restructuring if their revised loans terms are considered to be consistent with terms that can be obtained in the credit market for loans with comparable risk.

 

The Company may extend the maturity of a performing or current loan that may have some inherent weakness associated with the loan. However, the Company generally follows a policy of not extending maturities on non-performing loans under existing terms. Maturity date extensions only occur under revised terms that clearly place the Company in a position to increase the likelihood of or assure full collection of the loan under the contractual terms and /or terms at the time of the extension that may eliminate or mitigate the inherent weakness in the loan. These terms may incorporate, but are not limited to additional assignment of collateral, significant balance curtailments/liquidations and assignments of additional project cash flows. Guarantees may be a consideration in the extension of loan maturities. As a general matter, the Company does not view extension of a loan to be a satisfactory approach to resolving non-performing credits.  On an exception basis, certain performing loans that have displayed some inherent weakness in the underlying collateral values, an inability to comply with certain loan covenants which are not affecting the performance of the credit or other identified weakness may be extended.

 

Collateral values or estimates of discounted cash flows (inclusive of any potential cash flow from guarantees) are evaluated to estimate the probability and severity of potential losses. The actual occurrence and severity of losses involving impaired credits can differ substantially from estimates.

 

The determination of the allowance requires significant judgment, and estimates of probable losses in the loan and lease portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize probable losses, future additions to the allowance may be necessary based on changes in the credits comprising the portfolio and changes in the financial condition of borrowers, such as may result from changes in economic conditions. In addition, federal and state regulatory agencies, as an integral part of their examination process, and independent consultants engaged by the Bank, periodically review the loan and lease portfolio and the allowance. Such reviews may result in adjustments to the allowance based upon their analysis of the information available at the time of each examination.

 

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The Company makes provisions for loan and lease losses in amounts necessary to maintain the allowance at an appropriate level, as established by use of the allowance methodology discussed above. The provision for loan and lease losses was $3.6 million in 2012 compared to $1.4 million in 2011 and $25.9 million in 2010. Historical net charge-offs represent a principal component in the application of the Company’s allowance methodology. A continued decrease in the confirmed losses over the related historical period in addition to a decline in problem loans, served to reduce the overall provision for 2011.The primary reason for the increase in the provision in 2012 compared to 2011was the leveling off of the historical charge-offs and problem loans during this period.

 

Substantially all of the fixed-rate residential mortgage loans originated by the Company are sold in the secondary mortgage market. Concurrent with such sales, the Company is required to make customary representations and warranties to the purchasers about the mortgage loans and the manner in which they were originated. The related sale agreements grant the purchasers recourse back to the Company, which could require the Company to repurchase loans or to share in any losses incurred by the purchasers. This recourse exposure typically extends for a period of six to eighteen months after the sale of the loan although the time frame for repurchase requests can extend for an indefinite period. Such transactions could be due to a number of causes including borrower fraud or early payment default. The Company has seen a very limited number of repurchase and indemnity demands from purchasers for such events and routinely monitors its exposure in this regard. The Company maintains a liability of $0.5 million for possible losses due to repurchases. Given its lack of history as to losses of this type, the Company believes that this reserve is adequate.

 

Allowance for Loan and Lease Losses

The following table presents a five-year history for the allocation of the allowance for loan and leases losses. The allowance is allocated in the following table to various loan and lease categories based on the methodology used to estimate loan losses; however, the allocation does not restrict the usage of the allowance for any specific loan or lease category.

 

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Allowance for Loan and Lease Losses

 

   December 31, 
(In thousands)  2012   2011   2010   2009   2008 
Residential real estate:                         
Residential mortgage  $8,522   $10,583   $10,396   $8,871   $4,330 
Residential construction   2,445    4,206    2,760    2,559    2,747 
Total residential real estate   10,967    14,789    13,156    11,430    7,077 
Commercial real estate:                         
Commercial mortgage   16,580    15,578    12,970    10,978    19,527 
Commercial construction   4,737    6,663    18,241    21,144    13,046 
Total commercial real estate   21,317    22,241    31,211    32,122    32,573 
                          
Commercial Business   6,495    6,727    12,870    16,907    7,174 
Leases   332    796    667    770    908 
Consumer   3,846    4,873    4,231    3,330    2,794 
Total allowance  $42,957   $49,426   $62,135   $64,559   $50,526 

 

During 2012, there were no changes in the Company’s methodology for assessing the appropriateness of the allowance for loan and lease losses from the prior year. Variations can occur over time in the estimation of the adequacy of the allowance as a result of the credit performance of borrowers. No portion of the allowance was unallocated at December 31, 2012 or December 31, 2011.

 

At December 31, 2012, total non-performing loans and leases were $58 million, or 2.29% of total loans and leases, compared to $79 million, or 3.53% of total loans and leases, at December 31, 2011. Timely recognition and aggressive management of problem credits has resulted in the significant reduction of the migration of these loans into non-accrual status during this period. The allowance represented 74% of non-performing loans and leases at December 31, 2012 as compared to 62% at December 31, 2011. The increase in this ratio was due primarily to the decline in non-performing loans and leases mentioned above. The allowance for loan and lease losses as a percent of total loans and leases was 1.70% at December 31, 2012 as compared to 2.21% at December 31, 2011. This decrease was due to a combination of a lower level of both non-performing loans and historical losses at December 31, 2012 compared to the prior year. In addition, under current purchase accounting rules, the loans added to the portfolio as a result of the CommerceFirst acquisition were adjusted to their fair value and thus did not include a related allowance for loan and lease losses.

 

Continued analysis of the actual loss history on the problem credits in 2011 and 2012 provided an indication that the coverage of the inherent losses on the problem credits was adequate. The Company continues to monitor the impact of the economic conditions on our commercial customers, the reduced inflow of non-accruals, lower inflow in criticized loans and the significant decline in early stage delinquencies. The improvement in these credit metrics supports management’s outlook for continued improved credit quality performance.

 

The balance of impaired loans was $48.8 million, with specific allowances of $5.1 million against those loans at December 31, 2012, as compared to $67.6 million with allowances of $7.8 million, at December 31, 2011.

 

The Company's borrowers are concentrated in six counties in Maryland, three counties in Virginia and in Washington D.C. Commercial and residential mortgages, including home equity loans and lines, represented 74% of total loans and leases at December 31, 2012 compared to 75% at December 31, 2011. Certain loan terms may create concentrations of credit risk and increase the Company’s exposure to loss. These include terms that permit the deferral of principal payments or payments that are smaller than normal interest accruals (negative amortization); loans with high loan-to-value ratios; loans, such as option adjustable-rate mortgages, that may expose the borrower to future increases in repayments that are in excess of increases that would result solely from increases in market interest rates; and interest-only loans. The Company does not make loans that provide for negative amortization or option adjustable-rate mortgages.

 

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Summary of Loan and Lease Loss Experience

The following table presents the activity in the allowance for loan and lease losses for the periods indicated:

 

   Year Ended December 31, 
(Dollars in thousands)  2012   2011   2010   2009   2008 
Balance, January 1  $49,426   $62,135   $64,559   $50,526   $25,092 
Provision for loan and lease losses   3,649    1,428    25,908    76,762    33,192 
Loan charge-offs:                         
Residential real estate   (2,331)   (6,993)   (6,401)   (4,847)   (4,798)
Commercial loans and leases   (9,175)   (6,772)   (22,723)   (57,098)   (2,677)
Consumer   (1,298)   (2,740)   (3,492)   (1,575)   (988)
Total charge-offs   (12,804)   (16,505)   (32,616)   (63,520)   (8,463)
Loan recoveries:                         
Residential real estate   225    226    34    41    21 
Commercial loans and leases   2,234    1,933    4,028    640    475 
Consumer   227    209    222    110    209 
Total recoveries   2,686    2,368    4,284    791    705 
Net charge-offs   (10,118)   (14,137)   (28,332)   (62,729)   (7,758)
Balance, period end  $42,957   $49,426   $62,135   $64,559   $50,526 
                          
Net charge-offs to average loans and leases   0.42%   0.66%   1.27%   2.61%   0.32%
Allowance to total loans and leases   1.70%   2.21%   2.88%   2.81%   2.03%

  

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Analysis of Credit Risk

The following table presents information with respect to non-performing assets and 90-day delinquencies for the years indicated:

 

   At December 31, 
(Dollars in thousands)  2012   2011   2010   2009   2008 
Non-accrual loans and leases                         
Residential real estate  $7,806   $11,441   $9,251   $9,520   $11,679 
Commercial loans and leases   37,332    58,453    53,776    100,894    55,890 
Consumer   2,410    1,786    300    766    381 
Total non-accrual loans and leases (1)   47,548    71,680    63,327    111,180    67,950 
                          
Loans and leases 90 days past due                         
Residential real estate   -    410    13,546    14,887    471 
Commercial loans and leases   233    2    426    3,321    567 
Consumer   14    165    182    793    - 
Total 90 days past due loans and leases   247    577    14,154    19,001    1,038 
                          
Restructured loans and leases (accruing)   10,110    6,881    10,571    3,549    395 
Total non-performing loans and leases (2)   57,905    79,138    88,052    133,730    69,383 
Other real estate owned, net   5,926    4,431    9,493    7,464    2,860 
Other assets owned   -    -    200    -    - 
Total non-performing assets  $63,831   $83,569   $97,745   $141,194   $72,243 
                          
Non-performing loans to total loans and leases   2.29%   3.53%   4.08%   5.82%   2.79%
Non-performing assets to total assets   1.61%   2.25%   2.78%   3.89%   2.18%
Allowance for loan and leases to non-performing loans and leases   74.18%   62.46%   70.57%   48.28%   72.82%

 

(1)Gross interest income that would have been recorded in 2012 if non-accrual loans and leases shown above had been current and in accordance with their original terms was $4.6 million. No interest was recorded on these loans during the year. Please see Note 1 of the Notes to Consolidated Financial Statements for a description of the Company’s policy for placing loans on non-accrual status.
(2)Performing loans considered potential problem loans, as defined and identified by management, amounted to $61.7 million at December 31, 2012. Although these are loans where known information about the borrowers' possible credit problems causes management to have concerns as to the borrowers' ability to comply with the loan repayment terms, most are current as to payment terms, well collateralized and are not believed to present significant risk of loss. Loans classified for regulatory purposes not included in either non-performing or potential problem loans consist only of "other loans especially mentioned" and do not, in management's opinion, represent or result from trends or uncertainties reasonably expected to materially impact future operating results, liquidity or capital resources, or represent material credits where known information about the borrowers' possible credit problems causes management to have doubts as to the borrowers' ability to comply with the loan repayment terms.

 

Market Risk Management

The Company's net income is largely dependent on its net interest income. Net interest income is susceptible to interest rate risk to the extent that interest-bearing liabilities mature or re-price on a different basis than interest-earning assets. When interest-bearing liabilities mature or re-price more quickly than interest-earning assets in a given period, a significant increase in market rates of interest could adversely affect net interest income. Similarly, when interest-earning assets mature or re-price more quickly than interest-bearing liabilities, falling interest rates could result in a decrease in net interest income. Net interest income is also affected by changes in the portion of interest-earning assets that are funded by interest-bearing liabilities rather than by other sources of funds, such as noninterest-bearing deposits and stockholders' equity.

 

The Company’s interest rate risk management goals are (1) to increase net interest income at a growth rate consistent with the growth rate of total assets, and (2) to minimize fluctuations in net interest margin as a percentage of interest-earning assets. Management attempts to achieve these goals by balancing, within policy limits, the volume of floating-rate liabilities with a similar volume of floating-rate assets; by keeping the average maturity of fixed-rate asset and liability contracts reasonably matched; by maintaining a pool of administered core deposits; and by adjusting pricing rates to market conditions on a continuing basis.

 

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The Company’s board of directors has established a comprehensive interest rate risk management policy, which is administered by management’s Asset Liability Management Committee (“ALCO”). The policy establishes limits on risk, which are quantitative measures of the percentage change in net interest income (a measure of net interest income at risk) and the fair value of equity capital (a measure of economic value of equity or “EVE” at risk) resulting from a hypothetical change in U.S. Treasury interest rates for maturities from one day to thirty years. The Company measures the potential adverse impacts that changing interest rates may have on its short-term earnings, long-term value, and liquidity by employing simulation analysis through the use of computer modeling. The simulation model captures optionality factors such as call features and interest rate caps and floors imbedded in investment and loan portfolio contracts. As with any method of gauging interest rate risk, there are certain shortcomings inherent in the interest rate modeling methodology used by the Company. When interest rates change, actual movements in different categories of interest-earning assets and interest-bearing liabilities, loan prepayments, and withdrawals of time and other deposits, may deviate significantly from assumptions used in the model. Finally, the methodology does not measure or reflect the impact that higher rates may have on adjustable-rate loan customers’ ability to service their debts, or the impact of rate changes on demand for loan, lease, and deposit products.

 

The Company prepares a current base case and eight alternative simulations at least once a quarter and reports the analysis to the board of directors. In addition, more frequent forecasts are produced when interest rates are particularly uncertain or when other business conditions so dictate.

 

The statement of condition is subject to quarterly testing for eight alternative interest rate shock possibilities to indicate the inherent interest rate risk. Average interest rates are shocked by +/- 100, 200, 300, and 400 basis points (“bp”), although the Company may elect not to use particular scenarios that it determines are impractical in a current rate environment. It is management’s goal to structure the balance sheet so that net interest earnings at risk over a twelve-month period and the economic value of equity at risk do not exceed policy guidelines at the various interest rate shock levels.

 

The Company augments its quarterly interest rate shock analysis with alternative external interest rate scenarios on a monthly basis. These alternative interest rate scenarios may include non-parallel rate ramps and non-parallel yield curve twists. If a measure of risk produced by the alternative simulations of the entire balance sheet violates policy guidelines, ALCO is required to develop a plan to restore the measure of risk to a level that complies with policy limits within two quarters.

 

Measures of net interest income at risk produced by simulation analysis are indicators of an institution’s short-term performance in alternative rate environments. These measures are typically based upon a relatively brief period, usually one year. They do not necessarily indicate the long-term prospects or economic value of the institution.

 

Estimated Changes in Net Interest Income                 
Change in Interest Rates:   + 400 bp    + 300 bp    + 200 bp    + 100 bp    - 100 bp    - 200 bp    -300 bp    -400 bp 
Policy Limit   23.50%   17.50%   15.00%   10.00%   10.00%   15.00%   17.50%   23.50%
December 31, 2012   (1.02)%   0.56%   1.26%   0.51%   N/A    N/A    N/A    N/A 
December 31, 2011   (4.09)%   (1.66)%   (0.06)%   0.11%   N/A    N/A    N/A    N/A 

 

As shown above, measures of net interest income at risk improved from December 31, 2011 at all rising interest rate shock levels. All measures remained well within prescribed policy limits.

 

The primary contributor to the improved risk position with respect to net interest income was the payoff of $80 million in overnight borrowings early in the first quarter of 2012. Loans acquired in the CommerceFirst acquisition resulted in an increase in the balance of short term loans included in the loan portfolio which results in higher interest income as rates are shocked up.

 

The measures of equity value at risk indicate the ongoing economic value of the Company by considering the effects of changes in interest rates on all of the Company’s cash flows, and by discounting the cash flows to estimate the present value of assets and liabilities. The difference between these discounted values of the assets and liabilities is the economic value of equity, which, in theory, approximates the fair value of the Company’s net assets.

 

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Estimated Changes in Economic Value of Equity (EVE)               
Change in Interest Rates:   + 400 bp    + 300 bp    + 200 bp    + 100 bp    - 100 bp    - 200 bp    -300 bp    -400 bp 
Policy Limit   35.00%   25.00%   20.00%   10.00%   10.00%   20.00%   25.00%   35.00%
December 31, 2012   (0.39)%   1.87%   3.29%   2.65%   N/A    N/A    N/A    N/A 
December 31, 2011   (7.25)%   (5.16)%   (1.26)%   0.99%   N/A    N/A    N/A    N/A 

 

Measures of the economic value of equity (“EVE”) at risk improved compared to year-end 2011 in all rising interest rate shock levels. The positive impact on EVE is caused by longer durations in demand accounts and money market accounts together with the restructuring of $120 million in FHLB advances which generates more benefit as market rates increase in the shock scenarios. The increased level of noninterest-bearing deposits resulting from the CommerceFirst acquisition also contributed to an increase in the market value of deposits and thus increasing the EVE.

 

Liquidity Management

Liquidity is measured by a financial institution's ability to raise funds through loan and lease repayments, maturing investments, deposit growth, borrowed funds, capital and the sale of highly marketable assets such as investment securities and residential mortgage loans. The Company's liquidity position, considering both internal and external sources available, exceeded anticipated short-term and long-term needs at December 31, 2012. Management considers core deposits, defined to include all deposits other than time deposits of $100 thousand or more, to be a relatively stable funding source. Core deposits equaled 73% of total interest-earning assets at December 31, 2012. In addition, loan and lease payments, maturities, calls and pay downs of securities, deposit growth and earnings contribute a flow of funds available to meet liquidity requirements. In assessing liquidity, management considers operating requirements, the seasonality of deposit flows, investment, loan and deposit maturities and calls, expected funding of loans and deposit withdrawals, and the market values of available-for-sale investments, so that sufficient funds are available on short notice to meet obligations as they arise and to ensure that the Company is able to pursue new business opportunities.

 

Liquidity is measured using an approach designed to take into account, in addition to factors already discussed above, the Company’s growth and mortgage banking activities. Also considered are changes in the liquidity of the investment portfolio due to fluctuations in interest rates. Under this approach, implemented by the Funds Management Subcommittee of ALCO under formal policy guidelines, the Company’s liquidity position is measured weekly, looking forward at thirty day intervals from thirty (30) to three hundred sixty (360) days. The measurement is based upon the projection of funds sold or purchased position, along with ratios and trends developed to measure dependence on purchased funds and core growth. Resulting projections as of December 31, 2012, show short-term investments exceeding short-term borrowings by $33 million over the subsequent 360 days. This projected excess of liquidity versus requirements provides the Company with flexibility in how it funds loans and other earning assets.

 

The Company also has external sources of funds, which can be drawn upon when required. The main sources of external liquidity are available lines of credit with the Federal Home Loan Bank of Atlanta and the Federal Reserve. The line of credit with the Federal Home Loan Bank of Atlanta totaled $1.2 billion, of which $699 million was available for borrowing based on pledged collateral, with $440 million borrowed against it as of December 31, 2012. The line of credit at the Federal Reserve totaled $392 million, all of which was available for borrowing based on pledged collateral, with no borrowings against it as of December 31, 2012. Other external sources of liquidity available to the Company in the form of unsecured lines of credit granted by correspondent banks totaled $55 million at December 31, 2012, against which there were no outstanding borrowings. In addition, the Company had a secured line of credit with a correspondent bank of $20 million as of December 31, 2012. Based upon its liquidity analysis, including external sources of liquidity available, management believes the liquidity position was appropriate at December 31, 2012.

 

The parent company (“Bancorp”) is a separate legal entity from the Bank and must provide for its own liquidity. In addition to its operating expenses, Bancorp is responsible for paying any dividends declared to its common shareholders and interest and principal on outstanding debt. Bancorp’s primary source of income is dividends received from the Bank. The amount of dividends that the Bank may declare and pay to Bancorp in any calendar year, without the receipt of prior approval from the Federal Reserve, cannot exceed net income for that year to date plus retained net income (as defined) for the preceding two calendar years. Based on this requirement, as of December 31, 2012, the Bank could have declared a dividend of $63 million to Bancorp. At December 31, 2012, Bancorp had liquid assets of $10 million.

 

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Arrangements to fund credit products or guarantee financing take the form of loan commitments (including lines of credit on revolving credit structures) and letters of credit. Approvals for these arrangements are obtained in the same manner as loans. Generally, cash flows, collateral value and risk assessment are considered when determining the amount and structure of credit arrangements.

 

The Company has various contractual obligations that affect its cash flows and liquidity. For information regarding material contractual obligations, please see “Market Risk Management” above, “Contractual Obligations” below, and “Note 7-Premises and Equipment,” “Note 10-Borrowings,” “Note 14-Pension, Profit Sharing and Other Employee Benefit Plans,” “Note 19-Financial Instruments with Off-balance Sheet Risk and Derivatives,” and “Note 21-Fair Value” of the Notes to the Consolidated Financial Statements.

 

Off-Balance Sheet Arrangements

With the exception of the Company’s obligations in connection with its trust preferred securities, irrevocable letters of credit, and loan commitments, the Company has no off-balance sheet arrangements that have or are reasonably likely to have a current or future effect on the Company’s financial condition, changes in financial condition, revenues or expenses, results of operations, liquidity, capital expenditures, or capital resources, that is material to investors. The trust preferred securities were issued by Sandy Spring Capital Trust II (the “Trust”), a subsidiary of the Company created for the purpose of issuing the trust preferred securities and purchasing the Company’s junior subordinated debentures, which are its sole assets. These junior subordinated debentures bear a maturity date of October 7, 2034, which may be shortened, subject to conditions, to a date no earlier than October 7, 2009. The Company owns all of the Trust’s outstanding common securities. The Company and the Trust believe that, taken together, the Company’s obligations under the junior subordinated debentures, the Indenture, the Trust Agreement, and the Guarantee entered into in connection with the issuance of the trust preferred securities and the debentures, in the aggregate constitute a full, irrevocable and unconditional guarantee of the Trust’s obligations. For additional information on off-balance sheet arrangements, please see “Note 19-Financial Instruments with Off-balance Sheet Risk and Derivatives” and “Note 10-Borrowings” of the Notes to the Consolidated Financial Statements, and “Capital Management” and “Securities”.

 

Contractual Obligations

 

   Projected Maturity Date or Payment Period (1) 
       Less than           After 
(In thousands)  Total   1 year   1-3 Years   3-5 Years   5 Years 
Retail repurchase agreements  $51,929   $51,929   $-   $-   $- 
Advances from FHLB   440,058    35,058    -    125,000    280,000 
Certificates of deposit   524,820    332,369    155,154    37,297    - 
Operating lease obligations   25,336    6,024    9,667    5,016    4,629 
Purchase obligations (2)   4,368    2,475    1,893    -    - 
Total  $1,046,511   $427,855   $166,714   $167,313   $284,629 

 

(1)The Company enters into contractual obligations in the normal course of business. Among these obligations are FHLB advances, operating leases related to branch and administrative facilities, a long-term contract with a data processing provider and purchase contracts related to construction of new branch offices. Payments required under these obligations, are set forth in the table below as of December 31, 2012. Assumed a seven year term for purposes of this table.
(2)Represents payments required under contract, based on average monthly charges for 2012 and assuming a growth rate of 2%, with the Company’s current data processing service provider that expires in September 2014.

 

Item 7A. Quantitative and Qualitative Disclosure About Market Risk.

The information required by this item is incorporated by reference to Part II, Item 7 of this report.

 

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PART II

 

Item 8. Financial Statements and Supplementary Data

 

Management’s Report on Internal Control Over Financial Reporting

Internal Control Over Financial Reporting

 

The Company’s management is responsible for establishing and maintaining adequate internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)). As required by SEC rules, the Company’s management evaluated the effectiveness of the Company’s internal control over financial reporting as of December 31, 2012. The Company’s chief executive officer and chief financial officer participated in the evaluation, which was based upon the criteria for effective internal control over financial reporting included in the “Internal Control-Integrated Framework” issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). Based on this evaluation, the Company’s chief executive officer and chief financial officer concluded that the Company’s internal control over financial reporting was effective as of December 31, 2012.

 

The attestation report by the Company’s independent registered public accounting firm, Grant Thornton LLP, on the Company’s internal control over financial reporting begins on the following pages.

 

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

Board of Directors and Stockholders

Sandy Spring Bancorp, Inc.

 

We have audited the internal control over financial reporting of Sandy Spring Bancorp, Inc. (a Maryland Corporation) and subsidiaries’ (the “Company”) as of December 31, 2012, based on criteria established in Internal Control—Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). The Company’s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management’s Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company’s internal control over financial reporting based on our audit.

 

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the design and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

 

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company’s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that could have a material effect on the financial statements.

 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

 

In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2012, based on criteria established in Internal Control—Integrated Framework issued by COSO.

 

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated financial statements of the Company as of and for the year ended December 31, 2012, and our report dated March 18, 2013 expressed an unqualified opinion.

 

Z:\Vineyard\Live jobs\2013\02 Feb\26 Feb\Shift III\Sandy Spring Bancorp 10-K (v334103)\Draft\03-Production

 

Philadelphia, Pennsylvania

March 18, 2013

 

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

Board of Directors and Stockholders

Sandy Spring Bancorp, Inc.

 

We have audited the accompanying consolidated statements of condition of Sandy Spring Bancorp, Inc. (a Maryland corporation) and subsidiaries (the “Company”) as of December 31, 2012 and 2011, and the related consolidated statements of income, other comprehensive income, changes in stockholders’ equity, and cash flows for each of the three years in the period ended December 31, 2012. These financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

 

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

 

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Sandy Spring Bancorp, Inc. and subsidiaries as of December 31, 2012 and 2011, and the results of their operations and their cash flows for each of the three years in the period ended December 31, 2012, in conformity with accounting principles generally accepted in the United States of America.

 

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the Company’s internal control over financial reporting as of December 31, 2012, based on criteria established in Internal Control—Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO), and our report dated March 18, 2013 expressed an unqualified opinion.

 

 

Philadelphia, Pennsylvania

March 18, 2013

 

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Sandy spring bancorp, inc. and subsidiaries

Consolidated STATEMENTS OF CONDITION

 

   December 31, 
(Dollars in thousands)  2012   2011 
Assets          
Cash and due from banks  $59,540   $49,832 
Federal funds sold   466    1,006 
Interest-bearing deposits with banks   26,400    21,476 
Cash and cash equivalents   86,406    72,314 
Residential mortgage loans held for sale (at fair value)   36,149    25,341 
Investments available-for-sale (at fair value)   825,582    951,301 
Investments held-to-maturity — fair value of $222,024 and $184,167 at December 31, 2012 and 2011, respectively   215,814    178,465 
Other equity securities   33,636    34,933 
Total loans and leases   2,531,128    2,239,692 
Less: allowance for loan and lease losses   (42,957)   (49,426)
Net loans and leases   2,488,171    2,190,266 
Premises and equipment, net   48,326    48,483 
Other real estate owned   5,926    4,431 
Accrued interest receivable   12,392    12,898 
Goodwill   84,808    76,816 
Other intangible assets, net   3,163    4,734 
Other assets   114,833    111,388 
Total assets  $3,955,206   $3,711,370 
           
Liabilities          
Noninterest-bearing deposits  $847,415   $650,377 
Interest-bearing deposits   2,065,619    2,006,143 
Total deposits   2,913,034    2,656,520 
Securities sold under retail repurchase agreements and federal funds purchased   86,929    143,613 
Advances from FHLB   405,058    405,408 
Subordinated debentures   35,000    35,000 
Accrued interest payable and other liabilities   31,673    24,720 
Total liabilities   3,471,694    3,265,261 
           
Stockholders' Equity          
Common stock — par value $1.00; shares authorized 50,000,000; shares issued and outstanding 24,905,392 and          
24,091,042 at December 31, 2012 and 2011, respectively   24,905    24,091 
Additional paid in capital   191,689    177,828 
Retained earnings   255,606    230,942 
Accumulated other comprehensive income   11,312    13,248 
Total stockholders' equity   483,512    446,109 
Total liabilities and stockholders' equity  $3,955,206   $3,711,370 

 

The accompanying notes are an integral part of these statements

 

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Sandy Spring Bancorp, Inc. and Subsidiaries

Consolidated Statements of IncomE

 

   Year Ended December 31, 
(Dollars in thousands, except per share data)  2012   2011   2010 
Interest Income:               
Interest and fees on loans and leases  $115,574   $107,355   $115,789 
Interest on loans held for sale   841    577    534 
Interest on deposits with banks   111    77    177 
Interest and dividends on investment securities:               
Taxable   17,951    22,096    24,624 
Exempt from federal income taxes   9,392    9,363    7,222 
Interest on federal funds sold   1    2    3 
Total interest income   143,870    139,470    148,349 
Interest Expense:               
Interest on deposits   7,357    11,002    16,934 
Interest on retail repurchase agreements and federal funds purchased   204    212    269 
Interest on advances from FHLB   14,131    14,397    14,599 
Interest on subordinated debt   959    913    940 
Total interest expense   22,651    26,524    32,742 
Net interest income   121,219    112,946    115,607 
Provision for loan and lease losses   3,649    1,428    25,908 
Net interest income after provision for loan and lease losses   117,570    111,518    89,699 
Non-interest Income:               
Investment securities gains   459    292    796 
Total other-than-temporary impairment ("OTTI") losses   (109)   (178)   (1,505)
Portion of OTTI losses recognized in other comprehensive income, before taxes   -    18    993 
Net OTTI recognized in earnings   (109)   (160)   (512)
Service charges on deposit accounts   8,910    9,527    10,326 
Mortgage banking activities   6,032    3,228    3,664 
Wealth management income   15,949    15,646    13,725 
Insurance agency commissions   4,490    4,650    5,229 
Income from bank owned life insurance   2,616    2,636    2,800 
Visa check fees   3,887    3,637    3,325 
Other income   4,722    4,044    4,429 
Total non-interest income   46,956    43,500    43,782 
Non-interest Expenses:               
Salaries and employee benefits   62,509    59,625    55,470 
Occupancy expense of premises   12,010    11,519    11,477 
Equipment expenses   4,871    4,705    4,808 
Marketing   2,651    2,389    2,359 
Outside data services   5,019    4,159    3,992 
FDIC insurance   2,573    3,187    4,497 
Amortization of intangible assets   1,881    1,845    1,959 
Other expenses   18,413    17,642    16,350 
Total non-interest expenses   109,927    105,071    100,912 
Income before income taxes   54,599    49,947    32,569 
Income tax expense   18,045    15,845    9,049 
Net income  $36,554   $34,102   $23,520 
Preferred stock dividends and discount accretion   -    -    6,149 
Net income available to common stockholders  $36,554   $34,102   $17,371 
                
Net Income Per Share Amounts:               
Basic net income per share  $1.49   $1.42   $1.05 
Basic net income per common share   1.49    1.42    0.78 
Diluted net income per share  $1.48   $1.41   $1.05 
Diluted net income per common share   1.48    1.41    0.78 
Dividends declared per common share  $0.48   $0.34   $0.04 

 

The accompanying notes are an integral part of these statements

 

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Sandy Spring Bancorp, Inc. and Subsidiaries

Consolidated Statements of OTHER COMPREHENSIVE INCOME

 

   Year Ended December 31, 
(In thousands)  2012   2011   2010 
Net income  $36,554   $34,102   $23,520 
Other comprehensive income:               
Investments available-for-sale:               
Net change in unrealized gains (losses) on investments available-for-sale   (40)   26,722    (932)
Related income tax (expense) benefit   16    (10,656)   374 
Net investment gains reclassified into earnings   459    292    796 
Related income tax expense   (183)   (116)   (319)
Net effect on other comprehensive income (loss) for the period   252    16,242    (81)
                
Defined benefit pension plan:               
Recognition of unrealized gain (loss)   (3,639)   (622)   188 
Related income tax (expense) benefit   1,451    248    (75)
Net effect on other comprehensive income (loss) for the period   (2,188)   (374)   113 
Total other comprehensive income   (1,936)   15,868    32 
Comprehensive income  $34,618   $49,970   $23,552 

 

The accompanying notes are an integral part of these statements

 

55
 

 

Sandy Spring Bancorp, Inc. and Subsidiaries

Consolidated Statements of Cash Flows

 

   Year Ended December 31, 
(Dollars in thousands)  2012   2011   2010 
Operating activities:               
Net income  $36,554   $34,102   $23,520 
Adjustments to reconcile net income to net cash provided by operating activities:               
Depreciation and amortization   7,847    7,488    7,686 
Net OTTI recognized in earnings   109    160    512 
Provision for loan and lease losses   3,649    1,428    25,908 
Share based compensation expense   1,451    1,207    904 
Deferred income tax expense   3,933    6,678    (480)
Origination of loans held for sale   (310,860)   (229,631)   (244,707)
Proceeds from sales of loans held for sale   305,013    230,232    237,787 
Gains on sales of loans held for sale   (4,961)   (3,225)   (3,251)
Loss on sales of other real estate owned   1,595    2,078    902 
Investment securities gains   (459)   (292)   (796)
(Gains) losses on sales of premises and equipment   (74)   120    (92)
Net decrease (increase) in accrued interest receivable   521    (328)   1,083 
Net (increase) decrease in other assets   (2,421)   (691)   5,763 
Net increase (decrease) in accrued expenses and other liabilities   6,939    12,491    (3,040)
Other – net   3,954    5,893    4,948 
Net cash provided by operating activities   52,790    67,710    56,647 
Investing activities:               
Purchases of other equity securities   (6,780)   (2,910)   (1,297)
Purchases of investments held-to-maturity   (146,290)   (161,102)   - 
Purchases of investments available-for-sale   (264,993)   (370,657)   (725,641)
Proceeds from redemption of Federal Home Loan Bank of Atlanta stock   8,002    2,048    - 
Proceeds from sales of investment available-for-sale   28,519    -    123,526 
Proceeds from maturities, calls and principal payments of investments held-to-maturity   108,612    84,409    31,240 
Proceeds from maturities, calls and principal payments of investments available-for-sale   357,144    347,864    548,583 
Net (increase) decrease in loans and leases   (140,483)   (103,994)   103,110 
Proceeds from the sales of other real estate owned   4,934    8,801    7,405 
Acquisition of business activity, net of cash acquired   (849)   -    - 
Expenditures for premises and equipment   (4,381)   (4,003)   (3,645)
Net cash used in investing activities   (56,565)   (199,544)   83,281 
Financing activities:               
Net increase in deposits   86,593    106,648    (146,970)
Net (decrease) increase in retail repurchase agreements and federal funds purchased   (56,685)   47,370    7,181 
Repayment of advances from FHLB   (350)   (350)   (5,826)
Proceeds from issuance of common stock   98    314    96,464 
Repurchase of common stock   -    (334)   - 
Redemption of preferred stock   -    -    (83,094)
Redemption of stock warrant   -    (4,449)   - 
Tax benefits associated with shared based compensation   102    91    201 
Dividends paid   (11,891)   (8,259)   (4,563)
Net cash provided by financing activities   17,867    141,031    (136,607)
Net increase in cash and cash equivalents   14,092    9,197    3,321 
Cash and cash equivalents at beginning of period   72,314    63,117    59,796 
Cash and cash equivalents at end of period  $86,406   $72,314   $63,117 
                
Supplemental Disclosures:               
Interest payments  $22,464   $20,334   $33,183 
Income tax payments   13,266    9,704    2,181 
Transfers from loans to other real estate owned   4,810    6,398    10,336 

 

The accompanying notes are an integral part of these statements

 

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Sandy Spring Bancorp, Inc. and Subsidiaries

Consolidated Statements of changes in stockholders’ equity

 

               Additional      

Accumulated

Other		   Total 
   Preferred   Common       Paid-In   Retained   Comprehensive   Stockholders’ 
(Dollars in thousands, except per share data)  Stock   Stock   Warrants   Capital   Earnings   Loss   Equity 
Balances at December 31, 2009  $80,095   $16,488   $3,699   $87,334   $188,622   $(2,652)  $373,586 
Net income   -    -    -    -    23,520    -    23,520 
Other comprehensive income, net of tax                            32    32 
Redemption of preferred stock - 83,094 shares   (83,094)   -    -    -    -    -    (83,094)
Common stock dividends - $0.04 per share   -    -    -    -    (893)   -    (893)
Preferred stock dividends - $50.00 per share   -    -    -    -    (3,151)   -    (3,151)
Stock compensation expense   -    -    -    904    -    -    904 
Discount accretion   2,999    -    -    -    (2,999)   -    - 
Common stock issued pursuant to:                                   
Common stock issuance - 7,475,000 shares   -    7,475    -    88,159    -    -    95,634 
Stock option plan - 30,498 shares   -    31    -    434    -    -    465 
Employee stock purchase plan - 33,826 shares   -    34    -    386    -    -    420 
Restricted stock - 15,477 shares   -    15    -    72    -    -    87 
Director stock purchase plan - 3,709 shares   -    4    -    51    -    -    55 
DRIP plan - 265 shares   -    -    -    4    -    -    4 
Balances at December 31, 2010   -    24,047    3,699    177,344    205,099    (2,620)   407,569 
Net income   -    -    -    -    34,102    -    34,102 
Other comprehensive income, net of tax                            15,868    15,868 
Common stock dividends - $0.34 per share   -    -    -    -    (8,259)   -    (8,259)
Stock compensation expense   -    -    -    1,207    -    -    1,207 
Stock warrant redemption   -    -    (3,699)   (750)   -    -    (4,449)
Common stock issued pursuant to:                                   
Stock option plan - 2,037 shares   -    2    -    23    -    -    25 
Employee stock purchase plan - 33,284 shares   -    33    -    467    -    -    500 
Director stock purchase plan - 1,833 shares   -    2    -    30    -    -    32 
Restricted stock - 30,853 shares   -    31    -    (183)   -    -    (152)
Purchase of treasury shares - 23,592 shares   -    (24)   -    (310)   -    -    (334)
Balances at December 31, 2011   -    24,091    -    177,828    230,942    13,248    446,109 
Net income   -    -    -    -    36,554    -    36,554 
Other comprehensive income, net of tax   -    -    -    -    -    (1,936)   (1,936)
Common stock dividends - $0.46 per share   -    -    -    -    (11,890)   -    (11,890)
Stock compensation expense   -    -    -    1,451    -    -    1,451 
Common stock issued pursuant to:                                   
Acquisition of CommerceFirst Bancorp, Inc. - 732,054 shares   -    732    -    12,291    -    -    13,023 
Stock option plan - 3,906 shares   -    4    -    47    -    -    51 
Employee stock purchase plan - 30,795 shares   -    31    -    447    -    -    478 
Director stock purchase plan - 1,083 shares   -    1    -    18    -    -    19 
Restricted stock - 46,512 shares   -    46    -    (393)   -    -    (347)
Balances at December 31, 2012  $-   $24,905   $-   $191,689   $255,606   $11,312   $483,512 

 

The accompanying notes are an integral part of these statements

 

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Sandy Spring Bancorp, Inc. and Subsidiaries

Notes to thE Consolidated Financial Statements

 

Note 1 – Significant Accounting Policies

Nature of Operations

Sandy Spring Bancorp (the “Company”), a Maryland corporation, is the bank holding company for Sandy Spring Bank (the “Bank”), which conducts a full-service commercial banking, mortgage banking and trust business. Services to individuals and businesses include accepting deposits, extending real estate, consumer and commercial loans and lines of credit, equipment leasing, general insurance, personal trust, and investment and wealth management services. The Company operates in the Maryland counties of Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George's, and in Arlington, Fairfax and Loudoun counties in Virginia. The Company offers investment and wealth management services through the Bank’s subsidiary, West Financial Services. Insurance products are available to clients through Sandy Spring Insurance, and Neff & Associates, which are agencies of Sandy Spring Insurance Corporation.

 

Basis of Presentation

The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and prevailing practices within the financial services industry for financial information. The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Certain reclassifications have been made to prior period amounts to conform to the current period presentation. The Company has evaluated subsequent events through the date of the issuance of its financial statements.

 

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Sandy Spring Bank and its subsidiaries, Sandy Spring Insurance Corporation and West Financial Services, Inc. Consolidation has resulted in the elimination of all significant intercompany accounts and transactions.

 

Use of Estimates

The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, and affect the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for loan and lease losses and the related allowance, determination of impaired loans and the related measurement of impairment, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether impaired securities are other-than-temporarily impaired, valuation of other real estate owned, prepayment rates, valuation of share-based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, the calculation of current and deferred income taxes and the actuarial projections related to pension expense and the related liability.

 

Assets Under Management

Assets held for others under fiduciary and agency relationships are not assets of the Company or its subsidiaries and are not included in the accompanying balance sheets. Trust department income and investment management fees are presented on an accrual basis.

 

Cash Flows

For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits with banks (items with an original maturity of three months or less).

 

Loans Acquired with Deteriorated Credit Quality 

Acquired loans with evidence of credit deterioration since their origination as of the date of the acquisition are recorded at their initial fair value. Credit deterioration is determined based on the probability of collection of all contractually required principal and interest payments. The historical allowance for loan and lease losses related to the acquired loans is not carried over to the Company. The determination of credit quality deterioration as of the purchase date may include parameters such as past due and non-accrual status, commercial risk ratings, cash flow projections, type of loan and collateral, collateral value and recent loan-to-value ratios or appraised values. For loans acquired with no evidence of credit deterioration, the fair value discount or premium is amortized over the contractual life of the loan as an adjustment to yield. For loans acquired with evidence of credit deterioration, the Company determines at the acquisition date the excess of the loan’s contractually required payments over all cash flows expected to be collected as an amount that should not be accreted into interest income (nonaccretable difference). The remaining amount, representing the difference in the expected cash flows of acquired loans and the initial investment in the acquired loans, is accreted into interest income over the remaining life of the loan or pool of loans (accretable yield) using the interest method. Subsequent to the purchase date, increases in expected cash flows over those expected at the purchase date are recognized prospectively as interest income over the remaining life of the loan as an adjustment to the accretable yield. The present value of any decreases in expected cash flows after the purchase date is recognized as an impairment through a charge to the provision for loan losses. Subsequent to the purchase date, the methods utilized to estimate the required allowance for loan and lease losses are similar to originated loans. Loans carried at fair value, mortgage loans held for sale and loans under revolving credit agreements are excluded from the scope of this guidance on loans acquired with deteriorated credit quality.

 

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Residential Mortgage Loans Held for Sale

The Company engages in sales of residential mortgage loans originated by the Bank. Loans held for sale are carried at fair value. Fair value is derived from secondary market quotations for similar instruments. The Company measures residential mortgage loans at fair value when the Company first recognizes the loan (i.e., the fair value option), as permitted by current accounting standards. Changes in fair value of these loans are recorded in earnings as a component of mortgage banking activities in non-interest income in the Consolidated Statements of Income. The Company's current practice is to sell such loans on a servicing released basis.

 

Investments Held-to-Maturity

Investments held-to-maturity represents securities which the Company has the ability and positive intent to hold until maturity. These securities are recorded at cost at the time of acquisition. The carrying values of investments held-to-maturity are adjusted for premium amortization and discount accretion to the maturity date on the effective interest method. Related interest and dividends are included in interest income. Declines in the fair value of individual held-to-maturity investments below their cost that are other-than-temporary result in write-downs of the individual securities to their fair value. Factors that may affect the determination of whether other-than-temporary impairment (“OTTI”) has occurred include a downgrading of the security below investment grade by the rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, or that management would not have the ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.

 

Investments Available-for-Sale

Marketable equity securities and debt securities not classified as held-to-maturity or trading are classified as securities available-for-sale. Securities available-for-sale are acquired as part of the Company's asset/liability management strategy and may be sold in response to changes in interest rates, loan demand, changes in prepayment risk or other factors. Securities available-for-sale are carried at fair value, with unrealized gains or losses based on the difference between amortized cost and fair value, reported net of deferred tax, as accumulated other comprehensive income (loss), a separate component of stockholders' equity. The carrying values of securities available-for-sale are adjusted for premium amortization and discount accretion to the maturity date on the effective interest method. Realized gains and losses on security sales or maturities, using the specific identification method, are included as a separate component of non-interest income. Related interest and dividends are included in interest income. Declines in the fair value of individual available-for-sale securities below their cost that are other-than-temporary (“OTTI”) result in write-downs of the individual securities to their fair value. Factors affecting the determination of whether other-than-temporary impairment has occurred include a downgrading of the security below investment grade by a rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, or a change in management’s intent and ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.

 

Other Equity Securities

Other equity securities include Federal Reserve stock, Federal Home Loan Bank of Atlanta stock and other equities that are considered restricted as to marketability and recorded at cost. These securities are evaluated for impairment each reporting period.

 

Loans and Lease Financing Receivables

The Company’s financing receivables consist primarily of loans and a minimal amount of leases that are stated at their principal balance outstanding net of any unearned income and deferred fees and costs. Interest income on loans is accrued at the contractual rate based on the principal outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Lease financing receivables, all of which are direct financing leases, include aggregate payments, net of related unearned income. Leasing income is recognized on a basis that achieves a constant periodic rate of return on the outstanding lease financing balances over the lease terms.

 

59
 

 

 

Loans are considered past due or delinquent when the principal or interest due in accordance with the contractual terms of the loan agreement or any portion thereof remains unpaid after the due date of the scheduled payment. Immaterial shortfalls in payment amounts do not necessarily result in a loan being considered delinquent or past due. If any payments are past due and subsequent payments are resumed without payment of the delinquent amount, the loan shall continue to be considered past due. Whenever any loan is reported delinquent on a principal or interest payment or portion thereof, the amount reported as delinquent is the outstanding principal balance of the loan.

 

Loans and leases, except for consumer loans, are placed into non-accrual status when any portion of the loan principal or interest becomes 90 days past due. Management may determine that certain circumstances warrant earlier discontinuance of interest accruals on specific loans if an evaluation of other relevant factors (such as bankruptcy, interruption of cash flows, etc.) indicates collection of amounts contractually due is unlikely. These loans are considered, collectively, to be non-performing loans. Consumer installment loans that are not secured by real estate are not placed on non-accrual, but are charged down to their net realizable value when they are four months past due. Loans designated as non-accrual have all previously accrued but unpaid interest reversed. Payments received on non-accrual loans when doubt about the ultimate collectability of the principal not longer exists may have their interest payments recorded as interest income on a cash basis or using the cost-recovery method with all payments are applied to reduce the outstanding principal until the loan returns to accrual status. Loans may be returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured

 

Large groups of smaller balance homogeneous loans are not individually evaluated for impairment and include lease financing receivables, residential permanent and construction mortgages and consumer installment loans. All other loans are considered non-homogeneous and are evaluated for impairment if they are placed in non-accrual status. Loans are determined to be impaired when, based on available information, it is probable that the Company may not collect all principal and interest payments according to contractual terms. Factors considered in determining whether a loan is impaired include:

·the financial condition of the borrower;
·reliability and sources of the cash flows;
·absorption or vacancy rates; and
·deterioration of the related collateral.

 

The impairment of a loan is measured based on the present value of expected future cash flows discounted at the loan's original effective interest rate, or as permitted, the impairment may be measured based on a loan’s observable market price or the fair value of the collateral less cost to sell. The majority of the Company’s impaired loans are considered to be collateral dependent and impairment is measured by determining the fair value of the collateral using third party appraisals conducted at least annually with underlying assumptions that are reviewed by management. Third party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish a specific allowance on a loan. In these instances the specific allowance is adjusted to reflect the Company’s evaluation of the appraised fair value. In the event a loss was previously confirmed and the loan was charged down to the estimated fair value based on a previous appraisal, the balance of partially charged-off loans are not subsequently increased but could be further decreased depending on the direction of the change in fair value. Payments on fully or partially charged-off loans are accounted for under the cost-recovery method. Under this method, all payments are applied on a cash basis to reduce the entire outstanding principal, then to recognize a recovery of all previously charged-off amounts before interest income may be recognized. Based on the impairment evaluation, if the Company determines an estimable loss exists, a specific allowance will be established for that loan. Once a loss has been confirmed, the loan is charged-down to its estimated net realizable value. Interest income on impaired loans is recognized using the same method as non-accrual loans, with the exception of loans that are considered troubled debt restructurings.

 

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Loans considered to be troubled debt restructurings (“TDRs”) are loans that have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief to a borrower experiencing financial difficulty. All restructured loans are considered impaired loans and may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided doubt has been removed concerning the collectability of principal and interest as evidenced by a sufficient period of payment performance in accordance with the restructured terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if their revised loan terms are considered to be consistent with terms that can be obtained in the credit market for loans with comparable risk and they meet certain performance criteria.

 

Management uses relevant information available to make the determination on whether loans are impaired in accordance with GAAP. However, the determination of whether loans are impaired and the measurement of the impairment requires significant judgment, and estimates of losses inherent in the loan portfolio can vary significantly from the amounts actually observed.

 

Allowance for Loan and Lease Losses

The allowance for loan and lease losses (“allowance” or “ALLL”) represents an amount which, in management's judgment, is adequate to absorb the estimate of losses that may be sustained on outstanding loans and leases at the balance sheet date based on the evaluation of the size and current risk characteristics of the loan portfolio. The allowance is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision or credit for loan and lease losses, which is recorded as a current period operating expense. The allowance is based on the basic principle that a loss be accrued when it is probable that the loss has occurred and the amount of the loss can be reasonably estimated.

 

Determination of the adequacy of the allowance is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the allowance is reviewed monthly by the Credit and Investment Risk Committee of the board of directors and formally approved quarterly by that same committee of the board.

 

The Company’s methodology for estimating the allowance includes a general component reflecting historical losses, as adjusted, by loan portfolio segment, and a specific component for impaired loans. There were no changes in the Company’s allowance policies or methodology from the prior year.

 

The general component is based upon historical loss experience by each portfolio segment measured, over the prior eight quarters, weighted so that losses realized in the most recent quarters have the greatest effect. The historical loss experience is supplemented to address various risk characteristics of the Company’s loan portfolio including:

·trends in delinquencies and other non-performing loans;
·changes in the risk profile related to large loans in the portfolio;
·changes in the categories of loans comprising the loan portfolio;
·concentrations of loans to specific industry segments;
·changes in economic conditions on both a local and national level;
·changes in the Company’s credit administration and loan portfolio management processes; and
·the quality of the Company’s credit risk identification processes.

 

The general component is calculated in two parts based on an internal risk classification of loans within each portfolio segment. Reserves on loans considered to be “classified” under regulatory guidance are calculated separately from loans considered to be “pass” rated under the same guidance. This segregation allows the Company to monitor the allowance component applicable to higher risk loans separate from the remainder of the portfolio in order to better manage risk and reasonably determine the sufficiency of reserves.

 

Integral to the assessment of the allowance process is an evaluation that is performed to determine whether a specific allowance on an impaired credit is warranted. For the particular loan that may have potential impairment, an appraisal will be ordered depending on the time elapsed since the prior appraisal, the loan balance and/or the result of the internal evaluation. The Company typically relies on current (12 months old or less) third party appraisals of the collateral to assist in measuring impairment. In the cases in which the Company does not rely on a third party appraisal, an internal evaluation is prepared by an approved credit officer. A current appraisal on large loans is usually obtained if the appraisal on file is more than 12 months old and there has been a material change in market conditions, zoning, physical use or the adequacy of the collateral based on an internal evaluation. The Company’s policy is to strictly adhere to regulatory appraisal standards. If an appraisal is ordered, no more than a 30 day turnaround is requested from the appraiser, who is selected by Credit Administration from an approved appraiser list. After receipt of the updated appraisal, the assigned credit officer will recommend to the Chief Credit Officer whether a specific allowance or a charge-off should be taken. When losses are confirmed, a charge-off is taken that is at least in the amount of the collateral deficiency as determined by the independent third party appraisal. Any further collateral deterioration results in either further specific reserves being established or additional charge-offs. The Chief Credit Officer has the authority to approve a specific allowance or charge-off between monthly credit committee meetings to ensure that there are no significant time lapses during this process.

 

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The portion of the allowance representing specific allowances is established on individually impaired loans. As a practical expedient, for collateral dependent loans, the Company measures impairment based on the net realizable value of the underlying collateral. For loans on which the Company has not elected to use a practical expedient to measure impairment, the Company will measure impairment based on the present value of expected future cash flows discounted at the loan’s effective interest rate. In determining the cash flows to be included in the discount calculation the Company considers the following factors that combine to estimate the probability and severity of potential losses:

·the borrower’s overall financial condition;
·resources and payment record;
·demonstrated or documented support available from financial guarantors; and
·the adequacy of collateral value and the ultimate realization of that value at liquidation.

 

Management believes it uses relevant information available to make determinations about the allowance and that it has established the existing allowance in accordance with GAAP. However, the determination of the allowance requires significant judgment, and estimates of probable losses in the loan and lease portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize inherent losses, future additions to the allowance may be necessary based on changes in the loans and leases comprising the portfolio and changes in the financial condition of borrowers, such as may result from changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, and independent consultants engaged by the Company, periodically review the loan and lease portfolio and the allowance. Such review may result in additional provisions based on management’s judgments of information available at the time of each examination.

 

Premises and Equipment

Premises and equipment are stated at cost, less accumulated depreciation and amortization, computed using the straight-line method. Premises and equipment are depreciated over the useful lives of the assets, which generally range from 3 to 10 years for furniture, fixtures and equipment, 3 to 5 years for computer software and hardware, and 10 to 40 years for buildings and building improvements. Leasehold improvements are amortized over the lesser of the lease term or the estimated useful lives of the improvements. The costs of major renewals and betterments are capitalized, while the costs of ordinary maintenance and repairs are included in non-interest expense.

 

Goodwill and Other Intangible Assets

Goodwill represents the excess purchase price paid over the fair value of the net assets acquired in a business combination. Goodwill is not amortized but is tested for impairment annually or more frequently if events or changes in circumstances indicate that the asset might be impaired. Impairment testing requires that the fair value of each of the Company’s reporting units be compared to the carrying amount of the reporting unit’s net assets, including goodwill. The Company’s reporting units were identified based upon an analysis of each of its individual operating segments. If the fair values of the reporting units exceed their book values, no write-down of recorded goodwill is required. If the fair value of a reporting unit is less than book value, an expense may be required to write-down the related goodwill to the proper carrying value. Any impairment would be realized through a reduction of goodwill or the intangible and an offsetting charge to non-interest expense. The Company tests for impairment of goodwill as of October 1 of each year using September 30 data, and again at any quarter-end if any triggering events occur during a quarter that may affect goodwill. Examples of such events include, but are not limited to, adverse action by a regulator or a loss of key personnel. Determining the fair value of a reporting unit requires the Company to use a degree of subjectivity.

 

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Current accounting guidance provides the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. Based on the assessment of these qualitative factors, if it is determined that the fair value of a reporting unit is not less than the carrying value, then performing the two-step impairment process, previously required, is unnecessary. However, if it is determined that the carrying value exceeds the fair value the first step, described above, of the two-step process must be performed. This guidance was effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011, with early adoption permitted. The Company adopted this guidance in performing its annual impairment testing as of October 1, 2012 with respect to its community banking and investment management reporting units. With respect to its insurance reporting unit, the Company elected to engage a third-party valuation firm to determine the fair value of this reporting unit to utilize in the “step one” test for potential goodwill impairment. The company and the valuation firm determined that a combination of the income approach and the market approach were most appropriate in valuing the fair value of this unit and determined that the “step two test” for impairment was not necessary. At December 31, 2012 there was no evidence of impairment of goodwill or intangibles in any of the Company’s reporting units.

 

Other intangible assets represent purchased assets that a lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Other intangible assets have finite lives and are reviewed for impairment annually. These assets are amortized over their estimated useful lives on a straight-line basis over varying periods that initially did not exceed 15 years.

 

Other Real Estate Owned (“OREO”)

OREO is comprised of properties acquired in partial or total satisfaction of problem loans. The properties are recorded at fair value less estimated costs of disposal, on the date acquired. Gains or losses arising at the time of acquisition of such properties are charged against the allowance for loan and lease losses. During the holding period OREO continues to be measured at fair value less estimated costs of disposal, and any subsequent declines in value are expensed as incurred. Gains and losses realized from the sale of OREO, as well as valuation adjustments and expenses of operation are included in non-interest expense.

 

Derivative Financial Instruments

Derivative Loan Commitments

Mortgage loan commitments are derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. Derivative loan commitments are recognized at fair value on the consolidated statements of condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the consolidated statements of income.

 

Loan commitments at the time the commitments are issued to borrowers have no value. Subsequent to commitment date, changes in the fair value of the loan commitment are recognized based on changes in the fair value of the underlying mortgage loan due to interest rate changes, changes in the probability the derivative loan commitment will be exercised, and the passage of time. In estimating fair value, a probability is assigned to a loan commitment based on an expectation that it will be exercised and the loan will be funded.

 

Forward Loan Sale Commitments

Loan sales agreements are evaluated to determine whether they meet the definition of a derivative as facts and circumstances may differ significantly. If agreements qualify, to protect against the price risk inherent in derivative loan commitments, the Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. Mandatory delivery contracts are accounted for as derivative instruments. Generally, best efforts contracts also meet the definition of derivative instruments after the loan to the borrower has closed. Accordingly, forward loan sale commitments that economically hedge the closed loan inventory are recognized at fair value on the consolidated statements of condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the consolidated statements of income. The Company estimates the fair value of its forward loan sales commitments using a methodology similar to that used for derivative loan commitments.

 

Interest Rate Swap Agreements

The Company enters into interest rate swaps (“swaps”) with loan customers to provide a facility to mitigate the fluctuations in the variable rate on the respective loans. These swaps are matched in exact offsetting terms to swaps that the Company enters into with an outside third party. The swaps are reported at fair value in other assets or other liabilities. The Company's swaps qualify as derivatives, but are not designated as hedging instruments, thus any net gain or loss resulting from changes in the fair value is recognized in other non-interest income. Further discussion of the Company's financial derivatives is set forth Note 19 to the Consolidated Financial Statements.

 

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Off-Balance Sheet Credit Risk

The Company issues financial or standby letters of credit that represent conditional commitments to fund transactions by the Company, typically to guarantee performance of a customer to a third party related to borrowing arrangements. The credit risk associated with issuing letters of credit is essentially the same as occurs when extending loan facilities to borrowers. The Company monitors the exposure to the letters of credit as part of its credit review process. Extensions of letters of credit, if any, would become part of the loan balance outstanding and would be evaluated in accordance with the Company’s credit policies. Potential exposure to loss for unfunded letters of credit if deemed necessary would be recorded in other liabilities.

 

In the ordinary course of business the Company originates and sells whole loans to a variety of investors. Mortgage loans sold are subject to representations and warranties made to the third party purchasers regarding certain attributes. Subsequent to the sale, if a material underwriting deficiency or documentation defect is determined, the Company may be obligated to repurchase the mortgage loan or reimburse the investor for losses incurred if the deficiency or defect cannot be rectified within a specific period subsequent to discovery. These representations and warranties typically exist for approximately 12 to 24 months following origination. The Company monitors the activity regarding the requirement to repurchase loans and the associated losses incurred. This information is applied to determine an estimated recourse reserve that is recorded in other liabilities.

 

Valuation of Long-Lived Assets

The Company reviews long-lived assets and certain identifiable intangible assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability is measured by a comparing the carrying amount of the asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the estimated fair value of the assets. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell.

 

Transfers of Financial Assets

Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right or from providing more than a trivial benefit to the transferor) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through any agreement to repurchase or redeem them before their maturity or likely cause a holder to return those assets whether through unilateral ability or a price so favorable to the transferee that it is probable that the transferee will require the transferor to repurchase them. Cash flows from the assets are allocated to the participating interest holders in proportion to their ownership shares. Financial assets obtained or liabilities incurred in a sale are recognized and initially measured at fair value.

 

Insurance Commissions and Fees

Commission revenue is recognized on the date the customer is billed. The Company also receives contingent commissions from insurance companies as additional incentive for achieving specified premium volume goals and/or the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are recognized when determinable, which is generally when such commissions are received.

 

Advertising Costs

Advertising costs are expensed as incurred and included in non-interest expenses.

 

Net Income (Loss) per Common Share

Basic net income (loss) per common share is derived by dividing net income (loss) available to common stockholders by the weighted-average number of common shares outstanding, and does not include the impact of any potentially dilutive common stock equivalents. The diluted net income (loss) per common share is derived by dividing net income (loss) by the weighted-average number of common shares outstanding, adjusted, if applicable, for the dilutive effect of outstanding stock options as well as any adjustment to income that would result from the assumed issuance. Dilutive shares are determined using the treasury stock method. Dilutive common stock equivalents are excluded from the computation of dilutive net income (loss) per common share if the result would be anti-dilutive.

 

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Income Taxes

Income tax expense (benefit) is based on the results of operations, adjusted for permanent differences between items of income or expense reported in the financial statements and those reported for tax purposes. Deferred income tax assets and liabilities are determined using the liability method. Under the liability method, deferred income taxes are determined based on the differences between the financial statement carrying amounts and the income tax bases of assets and liabilities and are measured at the enacted tax rates that will be in effect when these differences reverse.

 

The Company’s policy is to recognize interest and penalties on income taxes in other non-interest expenses. The Company remains subject to examination for income tax returns for the years ending after December 31, 2007.

 

Adopted Accounting Pronouncements

In June 2011, the FASB issued a standard that requires comprehensive income to be reported in either a single statement or two consecutive statements reporting net income and other comprehensive income. The guidance does not alter the items that are reported in other comprehensive income or require reclassification of items from other comprehensive income to net income. This guidance should be applied retrospectively and is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. The Company has opted to present comprehensive income in two consecutive statements. This guidance did not have any impact on the financial position, results of operations or cash flows of the Company as it only affects the presentation of the information in the financial statements.

 

The FASB issued a standard in April 2011 that removed from the assessment of effective control the criterion relating to the transferor’s ability to repurchase or redeem financial assets on substantially the agreed terms, even in the event of default by the transferee, as the criterion is not a determining factor of effective control. This guidance is effective for the first interim or annual period beginning on or after December 15, 2011. This guidance did not have a material impact on the financial position, results of operations or cash flows of the Company.

 

In May 2011, the FASB issued guidance on fair value that applies to all entities that measure assets, liabilities or instruments classified in stockholders’ equity at fair value or provide fair value disclosures for items not recorded at fair value. The guidance clarifies how a principal market is determined, addresses the fair value measurement of instruments with offsetting market or counterparty credit risk and the concept of valuation premise and highest and best use, extends the prohibition of blockage factors to all three levels of the fair value hierarchy, and requires additional disclosures. This guidance is effective for interim and annual periods beginning after December 15, 2011. Differences in fair value measurement resulting from the application of the guidance will be recognized in income in the period of adoption as a change in estimate. Disclosure requirements will be recognized prospectively. Changes in valuation techniques and related inputs as a result of the application of the guidance in addition to an estimate of the total effect of the changes, if practicable, will be disclosed in the period of adoption. The application of this guidance did not have a significant impact on the financial position, results of operations or cash flows of the Company.

 

NOTE 2 – ACQUISITION

On May 31, 2012, the Company completed the acquisition of CommerceFirst Bancorp, Inc. and its wholly-owned subsidiary. Under the terms of the acquisition the Company acquired 100% of the shares of CommerceFirst common stock for a combination of 50% Sandy Spring Bancorp common stock and 50% cash. Stock consideration was exchanged at a ratio of 0.8043 of the Company’s shares for each CommerceFirst share resulting in the issuance of 732,054 of the Company’s common stock. Total cash consideration amounted to $12.4 million or $13.60 per share.

 

The transaction has been accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration transferred were recorded at their estimated fair value on the acquisition date. Assets acquired amounted to $188.0 million, including loans and leases of $165.8 million. Liabilities assumed totaled $170.6 million, including $169.9 million in deposits. The acquisition resulted in the addition of $13.0 million to the Company’s equity. Goodwill of $8.0 million was recorded as a result of the transaction and will not be deductible for tax purposes. The goodwill from this transaction will be included in the Company’s Community Banking segment. The stock portion of the consideration to CommerceFirst shareholders is intended to qualify as a tax-free transaction.

 

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The consideration transferred for CommerceFirst’s common equity and the amounts of acquired identifiable assets and liabilities assumed as of the acquisition date were as follows:

 

(In thousands)    
Purchase Price:     
Value of common share issued  $13,023 
Cash   12,381 
Total purchase price   25,404 
      
Identifiable assets:     
Cash and due from banks   11,532 
Investments   502 
Loans and leases   165,762 
Other Real Estate Owned   2,615 
Intangible assets   210 
Other assets   7,356 
Total identifiable assets   187,977 
      
Liabilities:     
Deposits   169,921 
Other Liabilities   644 
Total liabilities   170,565 
      
Net goodwill resulting from acquisition  $7,992 

 

The determination of the fair value of acquired assets and assumed liabilities required that expected cash flows from those assets and liabilities be estimated and discounted at appropriate rates of interest. The most significant of these determinations related to the valuation of acquired loans with evidence of deteriorated credit quality. The following is a summary of the loans acquired in the acquisition with evidence of deteriorated credit quality:

 

   Loans Acquired 
   with Evidence of 
   Deteriorated 
(In thousands)  Credit Quality 
Contractually required principal and interest at acquisition  $14,436 
Contractual cash flows not expected to be collected   (5,560)
Expected cash flows at acquisition   8,876 
Interest component of expected cash flows   (1,056)
Basis in acquired loans at acquisition - estimated fair value  $7,820 

 

The fair value of checking, savings and money market deposit accounts acquired was assumed to be the carrying value as these accounts have no stated maturity and are payable on demand. Certificate of deposit accounts were valued at the present value of the expected contractual payments discounted at the market rates for similar certificates. There was no core deposit intangible associated with the acquisition of the deposits.

 

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Merger related expenses associated with the acquisition related to personnel and integrating and conforming the acquired operations with and into the Company. These expenses consisted of professional services, conversion and integration of operations, termination of existing contractual arrangements and cost to provide an introduction of the Company to its new customers. A summary of merger related expenses included in the indicated captions in the consolidated statements of income for the year ended December 31, 2012 is presented below:

 

   For the Year Ended 
(In thousands)  December 31, 2012 
Salaries and employee benefits  $803 
Outside data services   800 
Other non-interest expenses:     
Professional fees (legal, consulting, etc.)   770 
Miscellaneous expenses   127 
Total merger expenses  $2,500 

 

Pro Forma Combined Financial Information

If the acquisition of CommerceFirst had been completed on January 1, 2011, total revenue, net of interest expense, would have been approximately $172.9 million and $167.7 million for the year ended December 31, 2012 and 2011, respectively. Net income would have been approximately $37.1 million and $35.9 million for the same periods. The pro forma information does not provide for the impact of potential business model revisions nor does it consider any potential impacts of current market conditions on revenue, expense efficiencies or other factors.

 

Note 3 – Cash and Due from Banks

The Federal Reserve Act requires that banks maintain cash reserve balances with the Federal Reserve Bank based principally on the type and amount of their deposits. At its option, the Company maintains additional balances to compensate for clearing and safekeeping services. The average balance maintained in 2012 was $42.9 million and in 2011 was $31.8 million.

 

Note 4 – Investments

Investments available-for-sale

The amortized cost and estimated fair values of investments available-for-sale at December 31 are presented in the following table:

 

   2012   2011 
       Gross   Gross   Estimated       Gross   Gross   Estimated 
   Amortized   Unrealized   Unrealized   Fair   Amortized   Unrealized   Unrealized   Fair 
(In thousands)  Cost   Gains   Losses   Value   Cost   Gains   Losses   Value 
U.S. government agencies  $155,442   $1,084   $(98)  $156,428   $197,816   $2,436   $-   $200,252 
State and municipal   160,496    13,996    (1)   174,491    160,657    12,456    (2)   173,111 
Mortgage-backed   471,527    19,080    (128)   490,479    551,518    18,639    (13)   570,144 
Corporate debt   2,000    -    (4)   1,996    2,000    -    (22)   1,978 
Trust preferred   1,701    -    (236)   1,465    5,936    260    (480)   5,716 
Total debt securities   791,166    34,160    (467)   824,859    917,927    33,791    (517)   951,201 
Marketable equity securities   723    -    -    723    100    -    -    100 
Total investments available-for-sale  $791,889   $34,160   $(467)  $825,582   $918,027   $33,791   $(517)  $951,301 

 

Any unrealized losses in the U.S. government agencies, state and municipal, mortgage-backed or corporate debt investment securities at December 31, 2012 are the result of changes in interest rates and are not considered credit related. These declines are considered temporary in nature and will decline over time and recover as these securities approach maturity.

 

The mortgage-backed portfolio at December 31, 2012 is composed entirely of either the most senior tranches of GNMA collateralized mortgage obligations ($206.6 million), or GNMA, FNMA or FHLMC mortgage-backed securities ($283.9 million). The Company does not intend to sell these securities and has sufficient liquidity to hold these securities for an adequate period of time, which may be maturity, to allow for any anticipated recovery in fair value.

 

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At December 31, 2012, the trust preferred portfolio consisted of one pooled trust preferred security. The pooled trust preferred security is backed by debt issued by banks and thrifts, which totals $1.7 million, with a fair value of $1.4 million. The fair value of this security was determined by a third party valuation specialist due to the limited trading activity for this security in the marketplace.

 

The specialist used an income valuation approach technique (present value) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs. The methodology and significant assumptions employed by the specialist to determine fair value included:

·Evaluation of the structural terms as established in the indenture;
·Detailed credit and structural evaluation for each piece of issuer collateral in the pool;
·Overall default (.38%), recovery and prepayment (2%) amortization probabilities by issuers in the pool;
·Identification of adverse conditions specifically related to the security, industry and geographical area;
·Projection of estimated cash flows that incorporate default expectations and loss severities;
·Review of historical and implied volatility of the fair value of the security;
·Evaluation of credit risk concentrations;
·Evaluation of the length of time and the extent to which the fair value has been less than the amortized cost; and
·A discount rate of 12.0% was established using credit adjusted financial institution spreads for comparably rated institutions and a liquidity adjustment that considered the previously noted characteristics.

 

As a result of this evaluation, it was determined that the pooled trust preferred security incurred credit-related other-than-temporary impairment (“OTTI”) of $109 thousand, which was recognized in earnings for the year ended December 31, 2012. Non-credit related OTTI on this security, which is not expected to be sold and which the Company has the ability to hold until maturity, was $0.3 million at December 31, 2012. This non-credit related OTTI was recognized in other accumulated comprehensive income (“OCI”) at December 31, 2012.

 

The methodology and significant inputs used to measure the amount related to credit loss consisted of the following:

 

·Default rates were developed based on the financial condition of the trust preferred issuers in the pool and the payment or deferral status. Conditional default rates were estimated based on the payment characteristics of the security and the financial condition of the issuers in the pool. Near term and future defaults are estimated using third party industry data in addition to a review of key financial ratios and other pertinent data on the financial stability of the underlying issuer;
·Loss severity is forecasted based on the type of impairment using research performed by third parties;
·The security contains one level of subordination below the senior tranche, with the senior tranche receiving the spread from the subordinate bonds. It is not expected that the senior tranche will receive its full interest and principal at the bond’s maturity date given the recent performance;
·Credit ratings of the underlying issuers are reviewed in conjunction with the development of the default rates applied to determine the credit amounts related to the credit loss; and
·Potential prepayments have been estimated based on terms and rates of the underlying trust preferred securities to determine the impact of excess spread on the credit enhancement, the removal of the strongest institutions from the underlying pool and any impact that prepayments might have on diversity and concentration.

 

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The following table provides the activity of OTTI on investment securities due to credit losses recognized in earnings for the period indicated:

 

(In thousands)  OTTI Losses 
Cumulative credit losses on investment securities, through December 31, 2010   262 
Additions for credit losses not previously recognized   160 
Cumulative credit losses on investment securities, through December 31, 2011   422 
Additions for credit losses not previously recognized   109 
Cumulative credit losses on investment securities, through December 31, 2012  $531 

 

Gross unrealized losses and fair values by length of time that the individual available-for-sale securities have been in an unrealized loss position at December 31 are presented in the following table:

 

   2012 
           Continuous Unrealized     
   Number       Losses Existing for:   Total 
   of       Less than   More than   Unrealized 
(Dollars in thousands)  securities   Fair Value   12 months   12 months   Losses 
U.S. government agencies   2   $29,900   $98   $-   $98 
State and municipal   1    390    1    -    1 
Mortgage-backed   2    12,653    128    -    128 
Corporate debt   1    1,996    4    -    4 
Trust preferred   1    1,465    -    236    236 
Total   7   $46,404   $231   $236   $467 

 

   2011 
           Continuous Unrealized     
   Number       Losses Existing for:   Total 
   of       Less than   More than   Unrealized 
(Dollars in thousands)  securities   Fair Value   12 months   12 months   Losses 
State and municipal   1   $397   $2   $-   $2 
Mortgage-backed   3    5,081    13    -    13 
Corporate debt   1    3,326    22    -    22 
Trust preferred   1    2,467    -    480    480 
Total   6   $11,271   $37   $480   $517 

 

The amortized cost and estimated fair values of investment securities available-for-sale by contractual maturity at December 31 are provided in the following table. The Company has allocated mortgage-backed securities into the four maturity groupings reflected in the following table using the expected average life of the individual securities based on statistics provided by independent third party industry sources. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties.

 

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   2012   2011 
       Estimated       Estimated 
   Amortized   Fair   Amortized   Fair 
(In thousands)  Cost   Value   Cost   Value 
Due in one year or less  $35,544   $36,349   $65,569   $65,972 
Due after one year through five years   3,957    3,994    62,993    64,656 
Due after five years through ten years   382,957    399,180    342,813    354,238 
Due after ten years   368,708    385,336    446,552    466,335 
Total debt securities available for sale  $791,166   $824,859   $917,927   $951,201 

 

At December 31, 2012 and 2011, investments available-for-sale with a book value of $195.4 million and $255.4 million, respectively, were pledged as collateral for certain government deposits and for other purposes as required or permitted by law. The outstanding balance of no single issuer, except for U.S. Agencies securities, exceeded ten percent of stockholders' equity at December 31, 2012 and 2011.

 

Investments held-to-maturity

The amortized cost and estimated fair values of investments held-to-maturity at December 31 are presented in the following table:

 

   2012   2011 
       Gross   Gross   Estimated       Gross   Gross   Estimated 
   Amortized   Unrealized   Unrealized   Fair   Amortized   Unrealized   Unrealized   Fair 
(In thousands)  Cost   Gains   Losses   Value   Cost   Gains   Losses   Value 
U.S. government agencies  $64,498   $125   $(29)  $64,594   $54,983   $406   $-   $55,389 
State and municipal   150,995    6,194    (123)   157,066    123,075    5,244    (1)   128,318 
Mortgage-backed   321    43    -    364    407    53    -    460 
Total investments held-to-maturity  $215,814   $6,362   $(152)  $222,024   $178,465   $5,703   $(1)  $184,167 

 

Gross unrealized losses and fair values by length of time that the individual held-to-maturity securities have been in a continuous unrealized loss position at December 31 are presented in the following tables:

 

   2012 
           Continuous Unrealized     
   Number       Losses Existing for:   Total 
   of       Less than   More than   Unrealized 
(Dollars in thousands)  securities   Fair Value   12 months   12 months   Losses 
U.S. government agencies   1   $9,961   $29   $-   $29 
State and municipal   13    16,868    123    -    123 
Total   14   $26,829   $152   $-   $152 

 

   2011 
           Continuous Unrealized     
   Number       Losses Existing for:   Total 
   of       Less than   More than   Unrealized 
(Dollars in thousands)   securities    Fair Value    12 months    12 months    Losses 
State and municipal   1   $541   $1   $-   $1 
Total   1   $541   $1   $-   $1 

 

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The Company does not intend to sell these securities and has sufficient liquidity to hold these securities for an adequate period of time, which may be maturity, to allow for any anticipated recovery in fair value, and substantiates that the unrealized losses in the held-to-maturity portfolio are considered temporary in nature.

 

The amortized cost and estimated fair values of debt securities held-to-maturity by contractual maturity at December 31 are reflected in the following table. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties.

 

   2012   2011 
       Estimated       Estimated 
   Amortized   Fair   Amortized   Fair 
(In thousands)  Cost   Value   Cost   Value 
Due in one year or less  $7,431   $7,523   $18,860   $19,203 
Due after one year through five years   4,653    4,725    6,937    7,144 
Due after five years through ten years   116,735    120,074    98,428    101,008 
Due after ten years   86,995    89,702    54,240    56,812 
Total debt securities held-to-maturity  $215,814   $222,024   $178,465   $184,167 

 

At December 31, 2012 and 2011, investments held-to-maturity with a book value of $155.5 million and $58.7 million, respectively, were pledged as collateral for certain government deposits and for other purposes as required or permitted by law. The outstanding balance of no single issuer, except for U.S. Agency securities, exceeded ten percent of stockholders' equity at December 31, 2012 and 2011.

 

Equity securities

Other equity securities at the dates indicated are presented in the following table:

 

(In thousands)  2012   2011 
Federal Reserve Bank stock  $8,269   $7,530 
Federal Home Loan Bank of Atlanta stock   25,367    27,328 
Other equities   -    75 
Total equity securities  $33,636   $34,933 

 

Securities gains

Gross realized gains and losses on all investments for the periods indicated are presented in the following table:

 

   For the year ended December 31, 
(In thousands)  2012   2011   2010 
Gross realized gains from sales of investments available-for-sale  $56   $-   $1,001 
Gross realized losses from sales of investments available-for-sale   -    -    (371)
Net gains or (losses) from calls of investments available-for-sale   294    205    99 
Net gains or (losses) from calls of investments held-to-maturity   109    87    67 
Net securities gains  $459   $292   $796 

 

Note 5 – Loans and Leases

The lending business of the Company is based on understanding, measuring and controlling the credit risk inherent in the loan portfolio. The Company’s loan and lease portfolio is subject to varying degrees of credit risk. Credit risk entails both general risks, which are inherent in the process of lending, and risk specific to individual borrowers. The Company’s credit risk is mitigated through portfolio diversification, which limits exposure to any single customer, industry or collateral type.

 

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Outstanding loan balances at December 31, 2012 and 2011 are net of unearned income including net deferred loan costs of $1.4 million and $2.0 million, respectively, and $2.5 million of acquired loan discounts associated with the acquisition of CommerceFirst at December 31, 2012. The loan portfolio segment balances at December 31 are presented in the following table:

 

(In thousands)  2012   2011 
Residential real estate:          
Residential mortgage  $523,364   $448,662 
Residential construction   120,314    108,699 
Commercial real estate:          
Commercial owner occupied real estate   571,510    522,076 
Commercial investor real estate   456,888    371,948 
Commercial acquisition, development and construction   151,933    160,946 
Commercial Business   346,708    260,327 
Leases   3,421    6,954 
Consumer   356,990    360,080 
Total loans and leases  $2,531,128   $2,239,692 

 

Portfolio Segments

The Company currently manages its credit products and the respective exposure to credit losses (credit risk) by the following specific portfolio segments (classes) which are levels at which the Company develops and documents its systematic methodology to determine the allowance for loan and lease losses attributable to each respective portfolio segment. These segments are:

 

·Commercial business loans – Commercial loans are made to provide funds for equipment and general corporate needs. Repayment of a loan primarily uses the funds obtained from the operation of the borrower’s business. Commercial loans also include lines of credit that are utilized to finance a borrower’s short-term credit needs and/or to finance a percentage of eligible receivables and inventory.
·Commercial acquisition, development and construction loans –Commercial acquisition, development and construction loans are intended to finance the construction of commercial properties and include loans for the acquisition and development of land. Construction loans represent a higher degree of risk than permanent real estate loans and may be affected by a variety of factors such as the borrower’s ability to control costs and adhere to time schedules and the risk that constructed units may not be absorbed by the market within the anticipated time frame or at the anticipated price. The loan commitment on these loans often includes an interest reserve that allows the lender to periodically advance loan funds to pay interest charges on the outstanding balance of the loan.
·Commercial owner occupied real estate loans - Commercial owned-occupied real estate loans consist of commercial mortgage loans secured by owner occupied properties where an established banking relationship exists and involves a variety of property types to conduct the borrower’s operations. The primary source of repayment for this type of loan is the cash flow from the business and is based upon the borrower’s financial health and the ability of the borrower and the business to repay.
·Commercial investor real estate loans - Commercial investor real estate loans consist of loans secured by non-owner occupied properties where an established banking relationship exists and involves investment properties for warehouse, retail, and office space with a history of occupancy and cash flow. This commercial real estate category contains mortgage loans to the developers and owners of commercial real estate where the borrower intends to operate or sell the property at a profit and use the income stream or proceeds from the sale(s) to repay the loan.
·Leases - The Company’s loan portfolio also includes a small portfolio of equipment leases, which consists of leases for essential commercial equipment used by small to medium sized businesses.
·Consumer loans - This category of loans includes primarily home equity loans and lines, installment loans, personal lines of credit and marine loans. The home equity category consists mainly of revolving lines of credit to consumers which are secured by residential real estate. These loans are typically secured with second mortgages on the homes. Other consumer loans include installment loans used by customers to purchase automobiles, boats and recreational vehicles.

 

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·Residential mortgage loans – The residential real estate category contains permanent mortgage loans principally to consumers secured by residential real estate. Residential real estate loans are evaluated for the adequacy of repayment sources at the time of approval, based upon measures including credit scores, debt-to-income ratios, and collateral values. Loans may be either conforming or non-conforming.
·Residential construction loans - The Company makes residential real estate construction loans generally to provide interim financing on residential property during the construction period. Borrowers are typically individuals who will ultimately occupy the single-family dwelling. Loan funds are disbursed periodically as pre-specified stages of completion are attained based upon site inspections.

 

Loans to Related Parties

Certain directors and executive officers have loan transactions with the Company. Such loans were made in the ordinary course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with outsiders. The following schedule summarizes changes in amounts of loans outstanding, both direct and indirect, to these persons during the periods indicated:

 

(In thousands)  2012   2011 
Balance at January 1  $20,235   $22,842 
Additions   847    176 
Repayments   (588)   (2,783)
Balance at December 31  $20,494   $20,235 

 

Note 6 – CREDIT QUALITY ASSESSMENT

Allowance for Loan and Lease Losses

Credit risk can vary significantly as losses, as a percentage of outstanding loans, can vary widely during economic cycles and are sensitive to changing economic conditions. The amount of loss in any particular type of loan can vary depending on the purpose of the loan and the underlying collateral securing the loan. Collateral securing commercial loans can range from accounts receivable to equipment to improved or unimproved real estate depending on the purpose of the loan. Home mortgage and home equity loans and lines are typically secured by first or second liens on residential real estate. Consumer loans may be secured by personal property, such as auto loans or they may be unsecured loan products.

 

Management has an internal credit process in place to maintain credit standards. This process along with an in-house loan administration, accompanied by oversight and review procedures, combines to control and manage credit risk. The primary purpose of loan underwriting is the evaluation of specific lending risks that involves the analysis of the borrower’s ability to service the debt as well as the assessment of the value of the underlying collateral. Oversight and review procedures include the monitoring of the portfolio credit quality, early identification of potential problem credits and the management of the problem credits. As part of the oversight and review process, the Company maintains an allowance for loan and lease losses (the “allowance”) to absorb estimated and probable losses in the loan and lease portfolio. The allowance is based on consistent, periodic review and evaluation of the loan and lease portfolio, along with ongoing, monthly assessments of the probable losses and problem credits in each portfolio. While portions of the allowance are attributed to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio.

 

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Summary information on the allowance for loan and lease loss activity for the years ended December 31 is provided in the following table:

 

   Year Ended December 31, 
(In thousands)  2012   2011   2010 
Balance at beginning of year  $49,426   $62,135   $64,559 
Provision for loan and lease losses   3,649    1,428    25,908 
Loan and lease charge-offs   (12,804)   (16,505)   (32,616)
Loan and lease recoveries   2,686    2,368    4,284 
Net charge-offs   (10,118)   (14,137)   (28,332)
Balance at period end  $42,957   $49,426   $62,135 

 

The following tables provide information on the activity in the allowance for loan and lease losses by the respective loan portfolio segment for the years ended December 31:

 

   2012 
       Commercial Real Estate           Residential Real Estate     
               Commercial                     
   Commercial   Commercial   Commercial   Owner           Residential   Residential     
(Dollars in thousands)  Business   AD&C   Investor R/E   Occupied R/E   Leasing   Consumer   Mortgage   Construction   Total 
Balance at beginning of year  $6,727   $6,664   $8,248   $7,329   $795   $4,873   $10,583   $4,207   $49,426 
Provision (credit)   (758)   826    4,928    804    (478)   44    (167)   (1,550)   3,649 
Charge-offs   (1,022)   (3,281)   (3,690)   (1,174)   (8)   (1,298)   (2,107)   (224)   (12,804)
Recoveries   1,548    528    97    38    23    227    213    12    2,686 
Net charge-offs   526    (2,753)   (3,593)   (1,136)   15    (1,071)   (1,894)   (212)   (10,118)
Balance at end of period  $6,495   $4,737   $9,583   $6,997   $332   $3,846   $8,522   $2,445   $42,957 
                                              
Total loans and leases  $346,708   $151,933   $456,888   $571,510   $3,421   $356,990   $523,364   $120,314   $2,531,128 
Allowance for loans and leases to total loans and leases ratio   1.87%   3.12%   2.10%   1.22%   9.70%   1.08%   1.63%   2.03%   1.70%
                                              
Balance of loans specifically evaluated for impairment  $8,984   $6,332   $11,843   $15,184    na.   $31   $4,528   $1,871   $48,773 
Allowance for loans specifically evaluated for impairment  $2,597   $-   $774   $598    na.    na.   $713   $467   $5,149 
Specific allowance to specific loans ratio   28.91%   0.00%   6.54%   3.94%   na.    na.    15.75%   24.96%   10.56%
                                              
Balance of loans collectively evaluated  $337,724   $145,601   $445,045   $556,326   $3,421   $356,959   $518,836   $118,443   $2,482,355 
Allowance for loans collectively evaluated  $3,898   $4,737   $8,809   $6,399   $332   $3,846   $7,809   $1,978   $37,808 
Collective allowance to collective loans ratio   1.15%   3.25%   1.98%   1.15%   9.70%   1.08%   1.51%   1.67%   1.52%

 

   2011 
       Commercial Real Estate           Residential Real Estate     
               Commercial                     
   Commercial   Commercial   Commercial   Owner           Residential   Residential     
(Dollars in thousands)  Business   AD&C   Investor R/E   Occupied R/E   Leasing   Consumer   Mortgage   Construction   Total 
Balance at beginning of year  $12,870   $18,241   $4,793   $8,177   $667   $4,231   $10,396   $2,760   $62,135 
Provision (credit)   (4,252)   (11,035)   4,320    (361)   1,182    3,173    5,144    3,257    1,428 
Charge-offs   (2,565)   (1,780)   (868)   (487)   (1,072)   (2,740)   (5,178)   (1,815)   (16,505)
Recoveries   674    1,238    3    -    18    209    221    5    2,368 
Net charge-offs   (1,891)   (542)   (865)   (487)   (1,054)   (2,531)   (4,957)   (1,810)   (14,137)
Balance at end of year  $6,727   $6,664   $8,248   $7,329   $795   $4,873   $10,583   $4,207   $49,426 
                                              
Total loans and leases  $260,327   $160,946   $371,948   $522,076   $6,954   $360,080   $448,662   $108,699   $2,239,692 
Allowance for loans and leases to total loans and leases ratio   2.58%   4.14%   2.22%   1.40%   11.43%   1.35%   2.36%   3.87%   2.21%
                                              
Balance of loans specifically evaluated for impairment  $9,092   $18,701   $16,964   $15,416    na.   $35   $5,108   $2,259   $67,575 
Allowance for loans specifically evaluated for impairment  $1,037   $7   $3,380   $1,772    na.    na.   $769   $826   $7,791 
Specific allowance to specific loans ratio   11.41%   0.04%   19.92%   11.49%   na.    na.    15.05%   36.56%   11.53%
                                              
Balance of loans collectively evaluated  $251,235   $142,245   $354,984   $506,660   $6,954   $360,045   $443,554   $106,440   $2,172,117 
Allowance for loans collectively evaluated  $5,690   $6,657   $4,868   $5,557   $795   $4,873   $9,814   $3,381   $41,635 
Collective allowance to collective loans ratio   2.26%   4.68%   1.37%   1.10%   11.43%   1.35%   2.21%   3.18%   1.92%

 

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The Company’s methodology for evaluating whether a loan is impaired begins with risk-rating credits on an individual basis and includes consideration of the borrower’s overall financial condition, payment record and available cash resources that may include the collateral value and, in a select few cases, verifiable support from financial guarantors. In measuring impairment, the Company looks primarily to the discounted cash flows of the project itself or to the value of the collateral as the primary sources of repayment of the loan. Collateral values or estimates of discounted cash flows (inclusive of any potential cash flow from guarantees) are evaluated to estimate the probability and severity of potential losses. The actual occurrence and severity of losses involving impaired credits can differ substantially from estimates.

 

The Company may consider the existence of guarantees and the financial strength and wherewithal of the guarantors involved in any loan relationship. Guarantees may be considered as a source of repayment based on the guarantor’s financial condition and respective payment capacity. Accordingly, absent a verifiable payment capacity, a guarantee alone would not be sufficient to avoid classifying the loan as impaired.

 

Management has established a credit process that dictates that procedures be performed to monitor impaired loans between the receipt of an original appraisal and the updated appraisal. These procedures include the following:

 

·An internal evaluation is updated quarterly to include borrower financial statements and/or cash flow projections.
·The borrower may be contacted for a meeting to discuss an updated or revised action plan which may include a request for additional collateral.
·Re-verification of the documentation supporting the Company’s position with respect to the collateral securing the loan.
·At the monthly credit committee meeting the loan may be downgraded.
·Upon receipt of the updated appraisal or based on an updated internal financial evaluation, the loan balance is compared to the appraisal and a specific allowance is determined for the particular loan, typically for the amount of the difference between the appraisal and the loan balance.
·The Company will specifically reserve for or charge-off the excess of the loan amount over the amount of the appraisal. In certain cases the Company may establish a larger reserve due to knowledge of current market conditions or the existence of an offer for the collateral that will facilitate a more timely resolution of the loan.

 

The Company generally follows a policy of not extending maturities on non-performing loans under existing terms. Certain performing loans that have displayed some inherent weakness in the underlying collateral values, an inability to comply with certain loan covenants which do not affect the performance of the credit or other identified weakness may have their terms extended on an exception basis. Maturity date extensions only occur under revised terms that place the Company in a better position to fully collect the loan under the contractual terms and /or terms at the time of the extension that may eliminate or mitigate the inherent weakness in the loan. These terms may incorporate, but are not limited to additional assignment of collateral, significant balance curtailments/liquidations and assignments of additional project cash flows. Documented or demonstrated guarantees may be a consideration in the extension of loan maturities. As a general matter, the Company does not view extension of a loan to be a satisfactory approach to resolving non-performing credits.

 

Loans that have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief or other concessions to a borrower experiencing financial difficulty are considered trouble debt restructured loans. All restructurings that constitute concessions to a troubled borrower are considered impaired loans that may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided there is a sufficient period of payment performance in accordance with the restructure terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if their revised loans terms are considered to be consistent with terms that can be obtained in the credit market for loans with comparable risk. At December 31, 2012, restructured loans totaled $20.0 million, of which $10.1 million were accruing and $9.9 million were non-accruing. The Company has commitments to lend $5.1 million in additional funds on loans that have been restructured at December 31, 2012. Restructured loans at December 31, 2011 totaled $27.1 million, of which $6.9 million were accruing and $20.2 million were non-accruing. Commitments to lend additional funds on loans that have been restructured at December 31, 2011 amounted to $2.6 million.

 

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The following table provides summary information regarding impaired loans at December 31 and for the years then ended:

 

(In thousands)  2012   2011   2010 
Impaired loans with a valuation allowance  $27,526   $36,742   $18,946 
Impaired loans without a valuation allowance   21,247    30,833    50,668 
Total impaired loans  $48,773   $67,575   $69,614 
                
Allowance for loan and lease losses related to impaired loans  $5,149   $7,791   $3,845 
Allowance for loan and lease losses related to loans collectively evaluated   37,808    41,635    58,290 
Total allowance for loan and lease losses  $42,957   $49,426   $62,135 
                
Average impaired loans for the period  $57,438   $68,377   $75,556 
Contractual interest income due on impaired loans during the period  $4,433   $4,973   $6,651 
Interest income on impaired loans recognized on a cash basis  $1,121   $1,523   $- 
Interest income on impaired loans recognized on an accrual basis  $560   $325   $524 

 

The following tables present the recorded investment with respect to impaired loans, the associated allowance by the applicable portfolio segment and the principal balance of the impaired loans prior to amounts charged-off at December 31 for the years indicated:

 

   2012 
       Commercial Real Estate       Total Recorded 
               Commercial   All   Investment in 
       Commercial   Commercial   Owner   Other   Impaired 
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Loans   Loans 
Impaired loans with a specific allowance                              
Non-accruing  $2,514   $-   $10,219   $4,319   $-   $17,052 
Restructured accruing   2,981    -    -    1,503    3,419    7,903 
Restructured non-accruing   228    -    -    1,039    1,304    2,571 
Balance  $5,723   $-   $10,219   $6,861   $4,723   $27,526 
                               
Allowance  $2,597   $-   $774   $598   $1,180   $5,149 
                               
Impaired loans without a specific allowance                              
Non-accruing  $1,846   $3,033   $577   $6,191   $-   $11,647 
Restructured accruing   1,392    -    -    -    815    2,207 
Restructured non-accruing   23    3,299    1,047    2,132    892    7,393 
Balance  $3,261   $6,332   $1,624   $8,323   $1,707   $21,247 
                               
Total impaired loans                              
Non-accruing  $4,360   $3,033   $10,796   $10,510   $-   $28,699 
Restructured accruing   4,373    -    -    1,503    4,234    10,110 
Restructured non-accruing   251    3,299    1,047    3,170    2,196    9,964 
Balance  $8,984   $6,332   $11,843   $15,184   $6,430   $48,773 
                               
Unpaid principal balance in total impaired loans  $11,506   $21,590   $15,405   $17,928   $6,904   $73,333 

 

   2012 
                         
       Commercial Real Estate       Total Recorded 
               Commercial   All   Investment in 
       Commercial   Commercial   Owner   Other   Impaired 
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Loans   Loans 
Average impaired loans for the period  $8,659   $12,270   $13,838   $16,172   $6,499   $57,438 
Contractual interest income due on impaired loans during the period  $527   $1,222   $1,181   $1,391   $112      
Interest income on impaired loans recognized on a cash basis  $121   $323   $175   $420   $82      
Interest income on impaired loans recognized on an accrual basis  $257   $-   $-   $102   $201      

 

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   2011 
       Commercial Real Estate       Total Recorded 
               Commercial   All   Investment in 
       Commercial   Commercial   Owner   Other   Impaired 
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Loans   Loans 
Impaired loans with a specific allowance                              
Non-accruing  $1,110   $-   $13,812   $4,091   $1,093   $20,106 
Restructured accruing   1,346    -    -    707    3,475    5,528 
Restructured non-accruing   307    6,504    628    3,282    387    11,108 
Balance  $2,763   $6,504   $14,440   $8,080   $4,955   $36,742 
                               
Allowance  $1,037   $7   $3,380   $1,772   $1,595   $7,791 
                               
Impaired loans without a specific allowance                              
Non-accruing  $3,416   $7,798   $1,883   $6,464   $800   $20,361 
Restructured accruing   520    -    -    -    833    1,353 
Restructured non-accruing   2,393    4,399    641    872    814    9,119 
Balance  $6,329   $12,197   $2,524   $7,336   $2,447   $30,833 
                               
Total impaired loans                              
Non-accruing  $4,526   $7,798   $15,695   $10,555   $1,893   $40,467 
Restructured accruing   1,866    -    -    707    4,308    6,881 
Restructured non-accruing   2,700    10,903    1,269    4,154    1,201    20,227 
Balance  $9,092   $18,701   $16,964   $15,416   $7,402   $67,575 
                               
Unpaid principal balance in total impaired loans  $11,303   $37,442   $17,389   $16,466   $-   $82,600 

 

   2011 
                         
       Commercial Real Estate       Total Recorded 
               Commercial   All   Investment in 
       Commercial   Commercial   Owner   Other   Impaired 
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Loans   Loans 
Average impaired loans for the period  $9,800   $27,005   $11,409   $13,942   $6,221   $68,377 
Contractual interest income due on impaired loans during the period  $583   $1,743   $830   $800   $1,017      
Interest income on impaired loans recognized on a cash basis  $267   $487   $93   $471   $205      
Interest income on impaired loans recognized on an accrual basis  $114   $-   $-   $45   $166      

 

Credit Quality

The following tables provide information on the credit quality of the loan portfolio by segment at December 31 for the years indicated:

 

   2012 
       Commercial Real Estate           Residential Real Estate     
               Commercial                     
       Commercial   Commercial   Owner           Residential   Residential     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Leasing   Consumer   Mortgage   Construction   Total 
Non-performing loans and assets:                                             
Non-accrual loans and leases  $4,611   $6,332   $11,843   $13,681   $865   $2,410   $4,681   $3,125   $47,548 
Loans and leases 90 days past due   24    -    -    209    -    14    -    -    247 
Restructured loans and leases   4,373    -    -    1,503    -    31    4,203    -    10,110 
Total non-performing loans and leases   9,008    6,332    11,843    15,393    865    2,455    8,884    3,125    57,905 
Other real estate owned   1,829    -    220    2,396    -    -    1,401    80    5,926 
Total non-performing assets  $10,837   $6,332   $12,063   $17,789   $865   $2,455   $10,285   $3,205   $63,831 

 

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   2011 
       Commercial Real Estate           Residential Real Estate     
               Commercial                     
       Commercial   Commercial   Owner           Residential   Residential     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Leasing   Consumer   Mortgage   Construction   Total 
Non-performing loans and assets:                                             
Non-accrual loans and leases  $7,226   $18,702   $16,963   $14,709   $853   $1,786   $5,722   $5,719   $71,680 
Loans and leases 90 days past due   -    -    -    -    2    165    167    243    577 
Restructured loans and leases   1,866    -    -    707    -    35    3,579    694    6,881 
Total non-performing loans and leases   9,092    18,702    16,963    15,416    855    1,986    9,468    6,656    79,138 
Other real estate owned   100    -    462    273    -    -    3,395    201    4,431 
Total non-performing assets  $9,192   $18,702   $17,425   $15,689   $855   $1,986   $12,863   $6,857   $83,569 

 

   2012 
       Commercial Real Estate           Residential Real Estate     
               Commercial                     
       Commercial   Commercial   Owner           Residential   Residential     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Leasing   Consumer   Mortgage   Construction   Total 
Past due loans and leases                                             
31-60 days  $2,138   $-   $2,020   $1,556   $7   $496   $5,443   $-   $11,660 
61-90 days   212    -    -    1,809    68    101    1,603    -    3,793 
> 90 days   24    -    -    209    -    14    -    -    247 
Total past due   2,374    -    2,020    3,574    75    611    7,046    -    15,700 
Non-accrual loans and leases   4,611    6,332    11,843    13,681    865    2,410    4,681    3,125    47,548 
Loans aquired with deteriorated credit quality   1,978    332    949    3,941    -    -    -    -    7,200 
Current loans   337,745    145,269    442,076    550,314    2,481    353,969    511,637    117,189    2,460,680 
Total loans and leases  $346,708   $151,933   $456,888   $571,510   $3,421   $356,990   $523,364   $120,314   $2,531,128 

 

   2011 
       Commercial Real Estate           Residential Real Estate     
               Commercial                     
       Commercial   Commercial   Owner           Residential   Residential     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Leasing   Consumer   Mortgage   Construction   Total 
Past due loans and leases                                             
31-60 days  $1,467   $717   $10,723   $1,677   $7   $467   $5,246   $1,732   $22,036 
61-90 days   62    -    -    2,537    -    20    1,639    -    4,258 
> 90 days   -    -    -    -    2    165    167    243    577 
Total past due   1,529    717    10,723    4,214    9    652    7,052    1,975    26,871 
Non-accrual loans and leases   7,226    18,702    16,963    14,709    853    1,786    5,722    5,719    71,680 
Current loans   251,572    141,527    344,262    503,153    6,092    357,642    435,888    101,005    2,141,141 
Total loans and leases  $260,327   $160,946   $371,948   $522,076   $6,954   $360,080   $448,662   $108,699   $2,239,692 

 

Loans and leases are monitored for credit quality on a recurring basis. The credit quality indicators used are dependent on the portfolio segment to which the loan relates. Commercial loans and leases and non-commercial loans and leases have different credit quality indicators as a result of the methods used to monitor each of these loan segments.

 

The credit quality indicators for commercial loans and leases are developed through review of individual borrowers on an ongoing basis. Each borrower is evaluated at least annually with more frequent evaluation of more severely criticized loans and leases. The indicators represent the rating for loans or leases as of the date presented based on the most recent credit review performed. These credit quality indicators are defined as follows:

 

Pass - A pass rated credit is not adversely classified because it does not display any of the characteristics for adverse classification.

 

Special mention – A special mention credit has potential weaknesses that deserve management’s close attention. If uncorrected, such weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification.

 

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Substandard – A substandard loan is inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.

 

Doubtful – A loan that is classified as doubtful has all the weaknesses inherent in a loan classified as substandard with added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.

 

Loss – Loans classified as a loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.

 

The following tables provide information by credit risk rating indicators for each segment of the commercial loan portfolio at December 31 for the years indicated:

 

   2012 
       Commercial Real Estate     
               Commercial     
       Commercial   Commercial   Owner     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Total 
Pass  $305,348   $141,802   $405,448   $520,844   $1,374,262 
Special Mention   13,603    1,793    21,963    17,262    54,621 
Substandard   26,091    8,338    28,885    32,613    95,107 
Doubtful   1,666    -    592    791    3,049 
Total  $346,708   $151,933   $456,888   $571,510   $1,527,039 

 

   2011 
       Commercial Real Estate     
               Commercial     
       Commercial   Commercial   Owner     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Total 
Pass  $225,048   $137,181   $331,095   $469,309   $1,162,633 
Special Mention   8,551    2,207    9,592    22,103    42,453 
Substandard   25,720    21,558    31,261    30,664    109,203 
Doubtful   1,008    -    -    -    1,008 
Total  $260,327   $160,946   $371,948   $522,076   $1,315,297 

 

Homogeneous loan pools do not have individual loans subjected to internal risk ratings therefore, the credit indicator applied to these pools is based on their delinquency status. The following tables provide information by credit risk rating indicators for those remaining segments of the loan portfolio at December 31 for the years indicated:

 

   2012 
           Residential Real Estate     
           Residential   Residential     
(In thousands)  Leasing   Consumer   Mortgage   Construction   Total 
Performing  $2,556   $354,535   $514,480   $117,189   $988,760 
Non-performing:                         
90 days past due   -    14    -    -    14 
Non-accruing   865    2,410    4,681    3,125    11,081 
Restructured loans and leases   -    31    4,203    -    4,234 
Total  $3,421   $356,990   $523,364   $120,314   $1,004,089 

 

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   2011 
           Residential Real Estate     
           Residential   Residential     
(In thousands)  Leasing   Consumer   Mortgage   Construction   Total 
Performing  $6,099   $358,094   $439,194   $102,043   $905,430 
Non-performing:                         
90 days past due   2    165    167    243    577 
Non-accruing   853    1,786    5,722    5,719    14,080 
Restructured loans and leases   -    35    3,579    694    4,308 
Total  $6,954   $360,080   $448,662   $108,699   $924,395 

 

During the year ended December 31, 2012, the Company restructured $4.9 million in loans. Modifications consisted principally of interest rate concessions. No modifications resulted in the reduction of the recorded investment in the associated loan balances. Restructured loans are subject to periodic credit reviews to determine the necessity and adequacy of a specific loan loss allowance based on the collectability of the recorded investment in the restructured loan. Loans restructured during 2012 have specific reserves of $1.2 million at December 31, 2012. For the year ended December 31, 2011, the Company restructured $10.3 million in loans. Modifications consisted principally of interest rate concessions and no modifications resulted in the reduction of the recorded investment in the associated loan balances. Loans restructured during 2011 had specific reserves of $1.9 million thousand at December 31, 2011.

 

The following table provides the amounts of the restructured loans at the date of restructuring for specific segments of the loan portfolio during the period indicated:

 

   For the Year Ended December 31, 2012 
       Commercial Real Estate         
               Commercial   All     
       Commercial   Commercial   Owner   Other     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Loans   Total 
Troubled debt restructurings                              
Restructured accruing  $2,600   $-   $-   $1,014   $-   $3,614 
Restructured non-accruing   -    -    -    -    1,304    1,304 
Balance  $2,600   $-   $-   $1,014   $1,304   $4,918 
                               
Specific allowance  $552   $-   $-   $204   $467   $1,223 
                               
Restructured and subsequently defaulted  $-   $-   $-   $-   $-   $- 

 

   For the Year Ended December 31, 2011 
       Commercial Real Estate         
               Commercial   All     
       Commercial   Commercial   Owner   Other     
(In thousands)  Commercial   AD&C   Investor R/E   Occupied R/E   Loans   Total 
Troubled debt restructurings                              
Restructured accruing  $1,696   $-   $-   $-   $3,590   $5,286 
Restructured non-accruing   469    -    1,269    2,475    763    4,976 
Balance  $2,165   $-   $1,269   $2,475   $4,353   $10,262 
                               
Specific allowance  $254   $-   $93   $509   $1,027   $1,883 
                               
Restructured and subsequently defaulted  $-   $-   $-   $-   $509   $509 

 

 

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Changes in the accretable yield related to loans acquired with evidence of deteriorated credit quality are as follows:

 

(In thousands)  Amount 
Balance at January 1, 2012  $- 
CommerceFirst acquisition   1,056 
Accretion recognized to date   (363)
Net reclassification from accretable to non-accretable   - 
Balance at December 31, 2012  $693 

 

Other Real Estate Owned

Other real estate owned totaled $5.9 million and $4.4 million at December 31, 2012 and 2011, respectively. The increase compared to the prior year end was due primarily to balances added as a result of the CommerceFirst acquisition.

 

Note 7 – Premises and Equipment

Presented in the following table are the components of premises and equipment at December 31:

 

(In thousands)  2012   2011 
Land  $9,954   $9,954 
Buildings and leasehold improvements   61,456    60,944 
Equipment   38,510    39,682 
Total premises and equipment   109,920    110,580 
Less: accumulated depreciation and amortization   (61,594)   (62,097)
Net premises and equipment  $48,326   $48,483 

 

Depreciation and amortization expense for premises and equipment amounted to $4.5 million, $4.3 million and $4.3 million for the years ended December 31, 2012, 2011 and 2010, respectively.

 

Total rental expense of premises and equipment, net of rental income, for the years ended December 31, 2012, 2011 and 2010 was $6.6 million, $5.9 million and $5.9 million, respectively. Lease commitments entered into by the Company bear initial terms varying from 3 to 15 years, or they are 20-year ground leases, and are associated with premises.

 

Future minimum lease payments, including any additional rents due to escalation clauses, for all non-cancelable operating leases within the years ending December 31 are presented in the table below:

 

   Operating 
(In thousands)  Leases 
2013  $6,024 
2014   5,692 
2015   3,975 
2016   3,003 
2017   2,013 
Thereafter   4,629 
Total minimum lease payments  $25,336 

 

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Note 8 – Goodwill and Other Intangible Assets

The gross carrying amounts and accumulated amortization of intangible assets and goodwill are presented at December 31 in the following table:

 

   2012   Weighted  2011   Weighted
   Gross       Net   Average  Gross       Net   Average
   Carrying   Accumulated   Carrying   Remaining  Carrying   Accumulated   Carrying   Remaining
(Dollars in thousands)  Amount   Amortization   Amount   Life  Amount   Amortization   Amount   Life
Amortizing intangible assets:                                    
Core deposit intangibles  $9,716   $(7,964)  $1,752   1.3 years  $9,716   $(6,575)  $3,141   2.3 years
Other identifiable intangibles   8,611    (7,200)   1,411   3.1 years   8,301    (6,708)   1,593   3.5 years
Total amortizing intangible assets  $18,327   $(15,164)  $3,163      $18,017   $(13,283)  $4,734    
                                     
Goodwill  $84,808        $84,808      $76,816        $76,816    

 

During 2012, the acquisition of CommerceFirst Bancorp, Inc. and customer listing by a subsidiary resulted in the addition of $0.3 million in other intangible assets.

 

The following table presents the net carrying amount of goodwill by segment for the periods indicated:

 

   Community       Investment     
(In thousands)  Banking   Insurance   Management   Total 
Balance December 31, 2010  $62,636   $5,191   $8,989   $76,816 
No activity   -    -    -    - 
Balance December 31, 2011   62,636    5,191    8,989    76,816 
CommerceFirst Acquisition   7,992    -    -    7,992 
Balance December 31, 2012  $70,628   $5,191   $8,989   $84,808 

 

The following table presents the estimated future amortization expense for amortizing intangible assets within the years ending December 31:

 

(In thousands)  Amount 
2013  $1,845 
2014   818 
2015   370 
2016   92 
2017   14 
Thereafter   24 
Total amortizing intangible assets  $3,163 

 

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Note 9 – Deposits

The following table presents the composition of deposits at December 31 for the years indicated:

 

(In thousands)  2012   2011 
Noninterest-bearing deposits  $847,415   $650,377 
Interest-bearing deposits:          
Demand   428,048    367,682 
Money market savings   884,367    858,732 
Regular savings   228,384    195,408 
Time deposits of less than $100,000   307,445    316,058 
Time deposits of $100,000 or more   217,375    268,263 
Total interest-bearing deposits   2,065,619    2,006,143 
Total deposits  $2,913,034   $2,656,520 

 

Demand deposit overdrafts reclassified as loan balances were $2.0 million and $1.0 million at December 31, 2012 and 2011, respectively. Overdraft charge-offs and recoveries are reflected in the allowance for loan and lease losses.

 

The following table presents the maturity schedule for time deposits maturing within years ending December 31:

 

(In thousands)  Amount 
2013  $332,369 
2014   130,585 
2015   24,569 
2016   17,177 
2017   20,120 
Total time deposits  $524,820 

 

The Company's time deposits of $100,000 or more represented 7.5% of total deposits at December 31, 2012 and are presented by maturity in the following table:

 

   3 or   Over 3   Over 6   Over     
(In thousands)  Less   to 6   to 12   12   Total 
Time deposits--$100 thousand or more  $38,204   $35,670   $54,110   $89,391   $217,375 

 

Interest expense on time deposits of $100,000 or more amounted to $2.4 million, $3.3 million and $5.2 million for the years ended December 31, 2012, 2011 and 2010, respectively.

 

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Note 10 – Borrowings

 

Information relating to retail repurchase agreements and other short-term borrowings is presented in the following table at and for the years ending December 31:

 

   2012   2011   2010 
(Dollars in thousands)  Amount   Rate   Amount   Rate   Amount   Rate 
Retail repurchase agreements  $51,929    0.20%  $63,613    0.20%  $86,243    0.30%
Average for the Year:                              
Retail repurchase agreements  $63,864    0.28%  $73,543    0.26%  $86,726    0.30%
Maximum Month-end Balance:                              
Retail repurchase agreements  $73,130        $79,529        $97,884      

 

The Company pledges U.S. Agencies and Corporate securities, based upon their market values, as collateral for 102.5% of the principal and accrued interest of its retail repurchase agreements.

 

At December 31, 2012, the Company has an available line of credit for $1.2 billion with the Federal Home Loan Bank of Atlanta (the "FHLB") under which its borrowings are limited to $699.1 million based on pledged collateral at prevailing market interest rates. At December 31, 2012, total pledged collateral for the FHLB advances was $440.1. At December 31, 2011, lines of credit totaled $1.1 billion under which $498.3 million was available based on pledged collateral. Total collateral pledged at December 31, 2011 was $485.4 million which included $80.0 million for overnight funds and $405.4 for the FHLB advances. Both short-term and long-term FHLB advances are fully collateralized by pledges of loans. Under a blanket lien, the Company has pledged qualifying residential mortgage loans amounting to $399.1 million, commercial loans amounting to $552.6 million, home equity lines of credit (“HELOC”) amounting to $313.6 million and multifamily loans amounting to $8.0 million at December 31, 2012 as collateral under the borrowing agreement with the FHLB. At December 31, 2011 the Company had pledged collateral of qualifying mortgage loans of $319.2 million, commercial loans of $514.8 million, HELOC loans of $322.0 million and multifamily loans of $13.0 million under the FHLB borrowing agreement. The Company also had lines of credit available from the Federal Reserve and correspondent banks of $411.6 million and $315.2 million at December 31, 2012 and 2011, respectively, collateralized by loans and state and municipal securities. In addition, the Company had unsecured lines of credit with correspondent banks of $55.0 million and $55.0 million at December 31, 2012 and 2011, respectively. At December 31, 2012 there were no outstanding borrowings against these lines of credit.

 

Advances from FHLB and the respective maturity schedule at December 31 for the years indicated consisted of the following:

 

   2012   2011 
       Weighted       Weighted 
       Average       Average 
(Dollars in thousands)  Amounts   Rate   Amounts   Rate 
Maturity:                    
One year  $35,058    0.36%  $350    0.37%
Two years   -    -    58    4.13 
Three years   -    -    -    - 
Four years   40,000    4.47    -    - 
Five years   85,000    3.57    160,000    4.51 
After five years   280,000    2.91    245,000    2.84 
Total advances from FHLB  $440,058    2.97   $405,408    2.99 

 

Note 11 – SUBORDINATED DEBENTURES

The Company formed Sandy Spring Capital Trust II (“Capital Trust”) to facilitate the pooled placement issuance of $35.0 million of trust preferred securities on August 10, 2004. In conjunction with this issuance, the Company issued subordinated debt to the Capital Trust. The subordinated debt converted from a fixed rate interest of 6.35% at July 7, 2009 to a variable rate, adjusted quarterly, equal to 225 basis points over the three month Libor. At December 31, 2012, the rate on the subordinated debt was 2.59%. The obligations of the Company under the debt are subordinated to all other debt except other trust preferred securities, which may have equal subordination. The debt has a maturity date of October 7, 2034, but may be called by the Company at any time subsequent to October 7, 2009 on each respective quarterly distribution date.

 

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Note 12 – Stockholders’ Equity

The Company’s Articles of Incorporation authorize 50,000,000 shares of capital stock (par value $1.00 per share). Issued shares have been classified as common stock. The Articles of Incorporation provide that remaining unissued shares may later be designated as either common or preferred stock.

 

The Company has a director stock purchase plan (the “Director Plan”) which commenced on May 1, 2004. Under the Director Plan, members of the board of directors may elect to use a portion (minimum 50%) of their annual retainer fee to purchase shares of Company stock. The Company has reserved 45,000 authorized but unissued shares of common stock for purchase under the plan. Purchases are made at the fair market value of the stock on the purchase date. At December 31, 2012, there were 26,386 shares available for issuance under the plan.

 

The Company has an employee stock purchase plan (the “Purchase Plan”) which commenced on July 1, 2001 and which was re-authorized on July 1, 2011. The Company has reserved 300,000 authorized but unissued shares of common stock for purchase under the current version of the plan. Shares are purchased at 85% of the fair market value on the exercise date through monthly payroll deductions of not less than 1% or more than 10% of cash compensation paid in the month. The Purchase Plan is administered by a committee of at least three directors appointed by the board of directors. At December 31, 2012, there were 252,740 shares available for issuance under this plan.

 

The Company approved a stock repurchase program in August 2011 that permits the repurchase of up to 3% of the Company’s outstanding shares of common stock or approximately 730,000 shares. Repurchases, which will be conducted through open market purchases or privately negotiated transactions, will be made depending on market conditions and other factors. No shares were repurchased during 2012. During the year ended December 31, 2011, the Company repurchased 23,592 shares of common stock at an average price of $14.16 per share.

 

The Company has a dividend reinvestment plan that is sponsored and administered by the Registrar and Transfer Company (“R&T”) as independent agent, which enables current shareholders as well as first-time buyers to purchase and sell common stock of Sandy Spring Bancorp, Inc. directly through R&T at low commissions. Participants may reinvest cash dividends and make periodic supplemental cash payments to purchase additional shares.

 

Bank and holding company regulations, as well as Maryland law, impose certain restrictions on dividend payments by the Bank, as well as restricting extensions of credit and transfers of assets between the Bank and the Company. At December 31, 2012, the Bank could have paid additional dividends of $62.6 million to its parent company without regulatory approval. In conjunction with the Company’s long-term borrowing from Capital Trust, the Bank issued a note to Bancorp for $35.0 million which was outstanding at December 31, 2012. There were no other loans outstanding between the Bank and the Company at December 31, 2012 and 2011, respectively.

 

In December 2008, as part of the Troubled Asset Relief Program (“TARP”) Capital Purchase Program, the Company entered into a Purchase Agreement with the United States Department of the Treasury (the “Treasury”), pursuant to which the Company sold 83,094 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series A with a liquidation preference of $1,000 per share and a warrant to purchase 651,547 shares of the Company’s common stock, for $83.1 million in cash. The redemption of the preferred shares was completed in two transactions with one half of the shares redeemed in July, 2010 and the remainder of the shares redeemed in December, 2010. The preferred shares paid an annual dividend of 5% per share during the period the shares were outstanding. The warrant was issued with an initial exercise price of $19.13 and a ten year term and was exercisable immediately, in whole or in part. The value of the warrant was allocated a portion of the $83.1 million in issuance proceeds. The allocation of this value was based on the relative fair value of the preferred shares and the warrant to the combined fair value. Accordingly, the value of the warrant was determined to be $3.7 million and recorded in additional paid-in capital in the consolidated statements of condition. This non-cash amount was considered a discount to the preferred stock and to be amortized over a five year period using the interest method and accreted as a dividend recorded on the preferred shares. A portion of the unamortized discount was recognized in a charge to earnings on the date of the respective redemption of the preferred shares. The warrant was included in the diluted average common shares outstanding except in periods for which its effects would be anti-dilutive. On February 23, 2011, the Company completed the redemption of the warrant issued for $4.5 million. The redemption of the warrant resulted in a net reduction of additional paid-in capital of $0.8 million during the first quarter of 2011.

 

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Note 13 – Share Based Compensation

At December 31, 2012, the Company had two share based compensation plans in existence, the 1999 Stock Option Plan (expired but having outstanding options that may still be exercised) and the 2005 Omnibus Stock Plan (“Omnibus Plan”), which is described below.

 

The Omnibus Plan provides for the granting of non-qualifying stock options to the Company’s directors, and incentive and non-qualifying stock options, stock appreciation rights and restricted stock grants to selected key employees on a periodic basis at the discretion of the board of directors. The plan authorizes the issuance of up to 1,800,000 shares of common stock of which 1,089,814 are available for issuance at December 31, 2012, has a term of ten years, and is administered by a committee of at least three directors appointed by the board of directors. Options granted under the plan have an exercise price which may not be less than 100% of the fair market value of the common stock on the date of the grant and must be exercised within seven to ten years from the date of grant. The exercise price of stock options must be paid for in full in cash or shares of common stock, or a combination of both. The board committee has the discretion when making a grant of stock options to impose restrictions on the shares to be purchased upon the exercise of such options. Options granted under the expired 1999 Stock Option Plan remain outstanding until exercised or they expire. The Company generally issues authorized but previously unissued shares to satisfy option exercises.

 

The fair values of all of the options granted for the periods indicated have been estimated using a binomial option-pricing model with the weighted-average assumptions for the years ended December 31 are presented in the following table:

 

   Year Ended December 31, 
   2012   2011   2010 
Dividend yield   2.17%   1.72%   0.27%
Weighted average expected volatility   50.90%   46.87%   45.06%
Weighted average risk-free interest rate   1.14%   2.58%   2.91%
Weighted average expected lives (in years)   5.35    5.70    5.83 
Weighted average grant-date fair value  $7.85   $7.76   $6.65 

 

The dividend yield is based on estimated future dividend yields. The risk-free rate for periods within the contractual term of the share option is based on the U.S. Treasury yield curve in effect at the time of the grant. Expected volatilities are generally based on historical volatilities. The expected term of share options granted is generally derived from historical experience.

 

Compensation expense is recognized on a straight-line basis over the vesting period of the respective stock option or restricted stock grant. Compensation expense of $1.6 million, $1.3 million and $1.1 million was recognized for the years ended December 31, 2012, 2011 and 2010, respectively, related to the awards of stock options and restricted stock grants. The intrinsic value for the stock options exercised in the years ended December 31, 2012, 2011 and 2010, respectively, was not significant. The total of unrecognized compensation cost related to stock options was approximately $0.3 million as of December 31, 2012. That cost is expected to be recognized over a weighted average period of approximately 1.4 years. The total of unrecognized compensation cost related to restricted stock was approximately $3.0 million as of December 31, 2012. That cost is expected to be recognized over a weighted average period of approximately 2.9 years. The fair value of the options vested during the years ended December 31, 2012, 2011 and 2010, was $0.2 million, $0.3 million and $0.5 million, respectively.

 

In the first quarter of 2012, 20,633 stock options were granted, subject to a three year vesting schedule with one third of the options vesting each year on the anniversary date of the grant. Additionally, 83,807 shares of restricted stock were granted, subject to a five year vesting schedule with one fifth of the shares vesting each year on the grant date anniversary. There were no additional stock options or shares of restricted stock granted during the remainder of 2012.

 

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A summary of share option activity for the period indicated is reflected in the following table:

 

           Weighted     
   Number   Weighted   Average   Aggregate 
   of   Average   Contractual   Intrinsic 
   Common   Exercise   Remaining   Value 
   Shares   Share Price   Life(Years)   (in thousands) 
Balance at January 1, 2012   635,197   $31.42        $406 
Granted   20,633   $19.02        $8 
Exercised   (3,906)  $13.00        $23 
Forfeited or expired   (211,471)  $35.24        $33 
Balance at December 31, 2012   440,453   $29.17    2.5   $557 
                     
Exercisable at December 31, 2012   386,037   $30.73    2.1   $484 
                     
Weighted average fair value of options granted during the year       $7.85           

 

A summary of the activity for the Company’s non-vested options for the period indicated is presented in the following table:

 

       Weighted 
       Average 
   Number   Grant-Date 
(In dollars, except share data):  of Shares   Fair Value 
Non-vested options at January 1, 2012   79,640   $6.33 
Granted   20,633   $7.85 
Vested   (42,147)  $5.44 
Forfeited or expired   (3,710)  $6.80 
Non-vested options at December 31, 2012   54,416   $7.56 

 

A summary of the activity for the Company’s restricted stock for the period indicated is presented in the following table:

 

       Weighted 
       Average 
   Number   Grant-Date 
(In dollars, except share data):  of Shares   Fair Value 
Restricted stock at January 1, 2012   206,313   $16.37 
Granted   83,807   $19.02 
Vested   (59,365)  $16.16 
Forfeited or expired   (6,750)  $16.83 
Restricted stock at December 31, 2012   224,005   $17.40 

 

Note 14 – Pension, Profit Sharing, and Other Employee Benefit Plans

Defined Benefit Pension Plan

The Company has a qualified, noncontributory, defined benefit pension plan (the “Plan”) covering substantially all employees. Benefits after January 1, 2005, are based on the benefit earned as of December 31, 2004, plus benefits earned in future years of service based on the employee’s compensation during each such year. All benefit accruals for employees were frozen as of December 31, 2007 based on past service and thus future salary increases and additional years of service will no longer affect the defined benefit provided by the plan although additional vesting may continue to occur.

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The Company's funding policy is to contribute amounts to the plan sufficient to meet the minimum funding requirements of the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended. In addition, the Company contributes additional amounts as it deems appropriate based on benefits attributed to service prior to the date of the plan freeze. The Plan invests primarily in a diversified portfolio of managed fixed income and equity funds.

 

The Plan’s funded status at December 31 is as follows:

 

(In thousands)  2012   2011 
Reconciliation of Projected Benefit Obligation:          
Projected obligation at January 1  $32,387   $30,633 
Interest cost   1,534    1,541 
Actuarial loss   137    360 
Benefit payments   (702)   (1,484)
Increase related to discount rate change   5,483    1,337 
Projected obligation at December 31   38,839    32,387 
Reconciliation of Fair Value of Plan Assets:          
Fair value of plan assets at January 1   29,341    26,839 
Actual return on plan assets   1,951    986 
Contribution   -    3,000 
Benefit payments   (702)   (1,484)
Fair value of plan assets at December 31   30,590    29,341 
           
Funded status at December 31  $(8,249)  $(3,046)
           
Accumulated benefit obligation at December 31  $38,839   $32,387 
           
Unrecognized net actuarial loss  $14,879   $11,240 
Net periodic pension cost not yet recognized  $14,879   $11,240 

 

Weighted-average assumptions used to determine benefit obligations at December 31 are presented in the following table:

 

   2012   2011   2010 
Discount rate   4.00%   4.75%   5.00%
Rate of compensation increase   N/A    N/A    N/A 

 

The components of net periodic benefit cost for the years ended December 31 are presented in the following table:

 

(In thousands)  2012   2011   2010 
Interest cost on projected benefit obligation  $1,534   $1,541   $1,490 
Expected return on plan assets   (1,165)   (1,070)   (1,201)
Recognized net actuarial loss   1,194    1,159    1,156 
Net periodic benefit cost  $1,563   $1,630   $1,445 

 

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Weighted-average assumptions used to determine net periodic benefit cost for years ended December 31 are presented in the following table:

 

   2012   2011   2010 
Discount rate   4.75%   5.00%   5.00%
Expected return on plan assets   4.00%   4.50%   4.50%
Rate of compensation increase   N/A    N/A    N/A 

 

The expected rate of return on assets of 4.00% reflects the Plan’s predominant investment of assets in cash and debt type securities and an analysis of the average rate of return of the S&P 500 index and the Lehman Brothers Gov’t/Corp. index over the past 20 years.

 

The following table reflects the components of the net unrecognized benefits costs that is reflected in accumulated other comprehensive income (loss) for the periods indicated. Additions represent the growth in the unrecognized actuarial loss during the period. Reductions represent the portion of the unrecognized benefits that are recognized each period as a component of the net periodic benefit cost.

 

   Unrecognized 
   Net 
(In thousands)  Gain/(Loss) 
Included in accumulated other comprehensive income (loss) at January 1, 2010  $10,806 
Additions during the year   968 
Reclassifications due to recognition as net periodic pension cost   (1,156)
Included in accumulated other comprehensive income (loss) as of December 31, 2010   10,618 
Additions during the year   443 
Reclassifications due to recognition as net periodic pension cost   (1,159)
Increase related to change in discount rate assumption   1,337 
Included in accumulated other comprehensive income (loss) as of December 31, 2011   11,239 
Additions during the year   (649)
Reclassifications due to recognition as net periodic pension cost   (1,194)
Increase related to change in discount rate assumption   5,483 
Included in accumulated other comprehensive income (loss) as of December 31, 2012   14,879 
Applicable tax effect   (5,933)
Included in accumulated other comprehensive income (loss) net of tax effect at December 31, 2012  $8,946 
      
Amount expected to be recognized as part of net periodic pension cost in the next fiscal year  $1,350 

 

There are no plan assets expected to be returned to the employer in the next twelve months.

 

The following items have not yet been recognized as a component of net periodic benefit cost at December 31:

 

(In thousands)  2012   2011   2010 
Net actuarial loss  $(14,879)  $(11,240)  $(10,618)
Net periodic benefit cost not yet recognized  $(14,879)  $(11,240)  $(10,618)

 

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Pension Plan Assets

 

The Company’s pension plan weighted average allocations at December 31 are presented in the following table:

 

   2012   2011 
Asset Category:          
Cash and certificates of deposit   11.1%   27.1%
Equity Securities:   58.5    39.3 
Debt Securities   30.4    33.6 
Total pension plan sssets   100.0%   100.0%

 

The Company has a written investment policy approved by the board of directors that governs the investment of the defined benefit pension fund trust portfolio. The investment policy is designed to provide limits on risk that is undertaken by the investment managers both in terms of market volatility of the portfolio and the quality of the individual assets that are held in the portfolio. The investment policy statement focuses on the following areas of concern: preservation of capital, diversification, risk tolerance, investment duration, rate of return, liquidity and investment management costs.

 

The Company has constituted the Retirement Plans Investment Committee (“RPIC”) in part to monitor the investments of the Plan as well as to recommend to executive management changes in the Investment Policy Statement which governs the Plan’s investment operations. These recommendations include asset allocation changes based on a number of factors including the investment horizon for the Plan. The Company’s Investment Management and Fiduciary Services Division is the investment manager of the Plan and also serves as an advisor to RPIC on the Plan’s investment matters.

 

Investment strategies and asset allocations are based on careful consideration of plan liabilities, the plan’s funded status and the Company’s financial condition. Investment performance and asset allocation are measured and monitored on an ongoing basis. The current target allocations for plan assets are 0-60% for equity securities, 0-100% for fixed income securities and 0-100% for cash funds and emerging market debt funds. This asset allocation has been set after taking into consideration the Plan’s current frozen status and the possibility of partial plan terminations over the intermediate term.

 

Market volatility risk is controlled by limiting the asset allocation of the most volatile asset class, equities, to no more than 60% of the portfolio and by ensuring that there is sufficient liquidity to meet distribution requirements from the portfolio without disrupting long-term assets. Diversification of the equity portion of the portfolio is controlled by limiting the value of any initial acquisition so that it does not exceed 5% of the market value of the portfolio when purchased. The policy requires the sale of any portion of an equity position when its value exceeds 10% of the portfolio. Fixed income market volatility risk is managed by limiting the term of fixed income investments to five years. Fixed income investments must carry an “A” or better rating by a recognized credit rating agency. Corporate debt of a single issuer may not exceed 10% of the market value of the portfolio. The investment in derivative instruments such as “naked” call options, futures, commodities, and short selling is prohibited. Investment in equity index funds and the writing of “covered” call options (a conservative strategy to increase portfolio income) are permitted. Foreign currency-denominated debt instruments are not permitted. At December 31, 2012, management is of the opinion that there are no significant concentrations of risk in the assets of the plan with respect to any single entity, industry, country, commodity or investment fund that are not otherwise mitigated by FDIC insurance available to the participants of the plan and collateral pledged for any such amount that may not be covered by FDIC insurance. Investment performance is measured against industry accepted benchmarks. The risk tolerance and asset allocation limitations imposed by the policy are consistent with attaining the rate of return assumptions used in the actuarial funding calculations. The RPIC committee meets quarterly to review the activities of the investment managers to ensure adherence with the Investment Policy Statement.

 

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Fair Values

The fair values of the Company’s pension plan assets by asset category at December 31 are presented in the following tables:

 

   2012 
   Quoted Prices in   Significant Other   Significant     
   Active Markets for   Observable   Unobservable     
   Identical Assets   Inputs   Inputs     
(In thousands)  (Level 1)   (Level 2)   (Level 3)   Total 
Asset Category:                    
Cash and certificates of deposit  $3,253   $-   $-   $3,253 
Equity Securities:                    
Industrials   2,676    -    -    2,676 
Financials   2,353              2,353 
Telecommunication services   1,121    -    -    1,121 
Consumer   3,515    -    -    3,515 
Health care   1,900    -    -    1,900 
Information technology   2,328    -    -    2,328 
Energy   2,645    -    -    2,645 
Materials   1,207    -    -    1,207 
Other   156    -    -    156 
Total equity securities   17,901    -    -    17,901 
Fixed income securities:                    
U. S. Government Agencies   -    -    -    - 
Corporate bonds   -    9,283    -    9,283 
Other   153    -    -    153 
Total pension plan sssets  $21,307   $9,283   $-   $30,590 

 

   2011 
   Quoted Prices in   Significant Other   Significant     
   Active Markets for   Observable   Unobservable     
   Identical Assets   Inputs   Inputs     
(In thousands)  (Level 1)   (Level 2)   (Level 3)   Total 
Asset Category:                    
Cash and certificates of deposit  $7,815   $-   $-   $7,815 
Equity Securities:                    
Industrials   1,064    -    -    1,064 
Financials   1,669              1,669 
Telecommunication services   765    -    -    765 
Consumer   3,429    -    -    3,429 
Health care   1,594    -    -    1,594 
Information technology   1,416    -    -    1,416 
Energy   811    -    -    811 
Other   775    -    -    775 
Total equity securities   11,523    -    -    11,523 
Fixed income securities:                    
U. S. Government Agencies   -    619    -    619 
Corporate bonds   -    9,251    -    9,251 
Other   133    -    -    133 
Total pension plan sssets  $19,471   $9,870   $-   $29,341 

 

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Contributions

The decision as to whether or not to make a plan contribution and the amount of any such contribution is dependent on a number of factors. Such factors include the investment performance of the plan assets in the current economy and, since the plan is currently frozen, the remaining investment horizon of the plan. Given these uncertainties, management continues to monitor the funding level of the pension plan and may make contributions as necessary during 2013.

 

Estimated Future Benefit Payments

Benefit payments, which reflect expected future service, as appropriate, that are expected to be paid for the years ending December 31 are presented in the following table:

 

   Pension 
(In thousands)  Benefits 
2013  $583 
2014   689 
2015   743 
2016   867 
2017   955 
2018-2022   5,570 

 

Cash and Deferred Profit Sharing Plan

The Sandy Spring Bancorp, Inc. Cash and Deferred Profit Sharing Plan includes a 401(k) provision with a Company match. The 401(k) provision is voluntary and covers all eligible employees after ninety days of service. Employees contributing to the 401(k) provision receive a matching contribution of 100% of the first 3% of compensation and 50% of the next 2% of compensation subject to employee contribution limitations. The Company matching contribution vests immediately. The Plan permits employees to purchase shares of Sandy Spring Bancorp, Inc. common stock with their 401(k) contributions, Company match, and other contributions under the Plan. Profit sharing contributions and Company match that are included in non-interest expenses totaled $1.5 million, $1.4 million and $ 1.4 million in 2011, 2010 and 2009, respectively.

 

Executive Incentive Retirement Plan

The Executive Incentive Retirement Plan is a defined contribution plan that provides for contributions to be made to the participants’ plan accounts based on the attainment of a level of financial performance compared to a selected group of peer banks. This level of performance is determined annually by the board of directors. Benefit costs related to the Plan included in non-interest expense for 2012, 2011 and 2010 were $0.2 million, $0.3 million, and $0.2 million, respectively.

 

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Note 15 – OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE

Selected components of other non-interest income and other non-interest expense for the years ended December 31 are presented in the following table:

 

(In thousands)  2012   2011   2010 
Letter of credit fees  $992   $1,123   $1,019 
Extension fees   590    406    594 
Other income   3,140    2,515    2,816 
Total other non-interest income  $4,722   $4,044   $4,429 

 

(In thousands)  2012   2011   2010 
Professional fees  $6,309   $4,942   $5,586 
Other real estate owned   905    2,412    976 
Postage and delivery   1,255    1,257    1,328 
Communications   1,596    1,433    1,433 
Other expenses   8,348    7,598    7,027 
Total other non-interest expense  $18,413   $17,642   $16,350 

 

Note 16 – Income Taxes

The following table provides the components of income tax expense (benefit) for the years ended December 31:

 

(In thousands)  2012   2011   2010 
Current income taxes (benefits):               
Federal  $11,199   $6,840   $8,106 
State   2,913    2,327    1,423 
Total current   14,112    9,167    9,529 
Deferred income taxes (benefits):               
Federal   3,116    5,640    (469)
State   817    1,038    (11)
Total deferred   3,933    6,678    (480)
Total income tax expense (benefit)  $18,045   $15,845   $9,049 

 

The Company does not have uncertain tax positions that are deemed material, and did not recognize any adjustments for unrecognized tax benefits.

 

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Temporary differences between the amounts reported in the financial statements and the tax bases of assets and liabilities result in deferred taxes. Deferred tax assets and liabilities, shown as the sum of the appropriate tax effect for each significant type of temporary difference, are presented in the following table at December 31 for the years indicated:

 

(In thousands)  2012   2011 
Deferred Tax Assets:          
Allowance for loan and lease losses  $17,132   $19,714 
Employee benefits   1,505    1,454 
Pension plan OCI   5,933    4,482 
Deferred loan fees and costs   579    681 
Non-qualified stock option expense   376    413 
Losses on other real estate owned   756    313 
Other than temporary impairment   323    269 
Loan and deposit premium/discount   2,267    159 
Depreciation   -    - 
Reserve for recourse loans   199    120 
Loss carryforward   88      
Other   145    111 
Gross deferred tax assets   29,304    27,716 
Valuation allowance   (88)   - 
Net deferred tax assets   29,216    27,716 
           
Deferred Tax Liabilities:          
Unrealized gains on investments available for sale   (13,436)   (13,270)
Pension plan costs   (2,644)   (3,267)
Depreciation   (704)   (900)
Intangible assets   (568)   (286)
Bond accretion   (109)   (167)
Other   (16)   (16)
Gross deferred tax liabilities   (17,477)   (17,906)
Net deferred tax asset  $11,739   $9,810 

 

The reconcilements between the statutory federal income tax rate and the effective rate for the years ended December 31 are presented in the following table:

 

(Dollars in thousands)  2012   2011   2010 
       Percentage of       Percentage of       Percentage of 
       Pre-Tax       Pre-Tax       Pre-Tax 
   Amount   Income   Amount   Income   Amount   Income 
Income tax expense at federal statutory rate  $19,110    35.0%  $17,481    35.0%  $11,399    35.0%
Increase (decrease) resulting from:                              
Tax exempt income, net   (2,927)   (5.4)   (2,945)   (5.9)   (2,411)   (7.4)
Bank-owned life insurance   (916)   (1.7)   (923)   (1.9)   (980)   (3.0)
State income taxes, net of federal income tax benefits   2,424    4.4    2,187    4.4    906    2.8 
Other, net   354    0.7    45    0.1    135    0.4 
Total income tax expense (benefit) and rate  $18,045    33.0%  $15,845    31.7%  $9,049    27.8%

 

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Note 17 – Net Income per Common Share

The calculation of net income per common share for the years ended December 31 is presented in the following table:

 

(Dollars and amounts in thousands, except per share data)  2012   2011   2010 
Net income  $36,554   $34,102   $23,520 
Less: Dividends - preferred stock   -    -    6,149 
Net income available to common stockholders  $36,554   $34,102   $17,371 
                
Basic:               
Basic weighted average EPS shares   24,573    24,083    22,339 
                
Basic net income per share  $1.49   $1.42   $1.05 
Basic net income per common share   1.49    1.42    0.78 
                
Diluted:               
Basic weighted average EPS shares   24,573    24,083    22,339 
Dilutive common stock equivalents   84    66    41 
Dilutive EPS shares   24,657    24,149    22,380 
                
Diluted net income per share  $1.48   $1.41   $1.05 
Diluted net income per common share   1.48    1.41    0.78 
                
Anti-dilutive shares   421    621    776 

 

NOTE 18 – OTHER COMPREHENSIVE INCOME (LOSS)

Comprehensive income is defined as net income plus transactions and other occurrences that are the result of non-owner changes in equity. For financial statements presented for the Company, non-equity changes are comprised of unrealized gains or losses on available-for-sale debt securities and any minimum pension liability adjustments. These do not have an impact on the Company’s net income. The following table presents the activity in net accumulated other comprehensive income (loss) for the periods indicated:

 

(In thousands)  Unrealized Gains
(Losses) on
Investments
Available-for-Sale		   Defined Benefit
Pension Plan		   Total 
Balance at January 1, 2010  $3,845   $(6,497)  $(2,652)
Period change, net of tax   (81)   113    32 
Balance at December 31, 2010   3,764    (6,384)   (2,620)
Period change, net of tax   16,242    (374)   15,868 
Balance at December 31, 2011   20,006    (6,758)   13,248 
Period change, net of tax   252    (2,188)   (1,936)
Balance at December 31, 2012  $20,258   $(8,946)  $11,312 

 

Note 19 – Financial Instruments with Off-balance Sheet Risk and Derivatives

In the normal course of business, the Company has various outstanding credit commitments that are not reflected in the financial statements. These commitments are made to satisfy the financing needs of the Company's clients. The associated credit risk is controlled by subjecting such activity to the same credit and quality controls as exist for the Company's lending and investing activities. The commitments involve diverse business and consumer customers and are generally well collateralized. Collateral held varies, but may include residential real estate, commercial real estate, property and equipment, inventory and accounts receivable. Since a portion of the commitments have some likelihood of not being exercised, the amounts do not necessarily represent future cash requirements.

 

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A summary of the financial instruments with off-balance sheet credit risk is as follows at December 31 for the years indicated:

 

(In thousands)  2012   2011 
Commercial  $186,014   $79,567 
Real estate-development and construction   79,480    76,940 
Real estate-residential mortgage   56,445    20,922 
Lines of credit, principally home equity and business lines   667,186    621,422 
Standby letters of credit   72,008    73,913 
Total Commitments to extend credit and available credit lines  $1,061,133   $872,764 

 

The Company has entered into interest rate swaps (“swaps”) to facilitate customer transactions and meet their financing needs. These swaps qualify as derivatives, but are not designated as hedging instruments. Interest rate swap contracts involve the risk of dealing with counterparties and their ability to meet contractual terms. When the fair value of a derivative instrument contract is positive, this generally indicates that the counterparty or customer owes the Company, and results in credit risk to the Company. When the fair value of a derivative instrument contract is negative, the Company owes the customer or counterparty and therefore, has no credit risk. The swap positions are offset to minimize the potential impact on the Company’s financial statements. Credit risk exists if the borrower’s collateral or financial condition indicates that the underlying collateral or financial condition of the borrower makes it probable that amounts due will be uncollectible. Any amounts due to the Company will be expected to be collected from the borrower. Management reviews this credit exposure on a monthly basis. At December 31, 2012 and 2011, all loans associated with the swap agreements were determined to be “pass” rated credits as provided by regulatory guidance and therefore no component of credit loss was factored into the valuation of the swaps. A summary of the Company’s interest rate swaps at December 31 for the years indicated is included in the following table:

 

   2012 
   Notional   Estimated   Years to   Receive   Pay 
(Dollars in thousands)  Amount   Fair Value   Maturity   Rate   Rate 
Interest Rate Swap Agreements:                         
Pay Fixed/Receive Variable Swaps  $17,949   $(1,280)   2.7    2.44%   5.41%
Pay Variable/Receive Fixed Swaps   17,949    1,280    2.7    5.41%   2.44%
Total Swaps  $35,898   $-    2.7    3.92%   3.92%

 

   2011 
   Notional   Estimated   Years to   Receive   Pay 
(Dollars in thousands)  Amount   Fair Value   Maturity   Rate   Rate 
Interest Rate Swap Agreements:                         
Pay Fixed/Receive Variable Swaps  $27,127   $(1,529)   3.0    2.65%   4.66%
Pay Variable/Receive Fixed Swaps   27,127    1,529    3.0    4.66%   2.65%
Total Swaps  $54,254   $-    3.0    3.66%   3.66%

 

The estimated fair value of the swaps at December 31 for the periods indicated in the table above were recorded in other assets and other liabilities. The associated net gains and losses on the swaps are recorded in other non-interest income.

 

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Note 20 – Litigation

The Company and its subsidiaries are subject in the ordinary course of business to various pending or threatened legal proceedings in which claims for monetary damages are asserted. After consultation with legal counsel, management does not anticipate that the ultimate liability, if any, arising out of these matters will have a material adverse effect on the Company's financial condition, operating results or liquidity.

 

Note 21 – Fair Value

Generally accepted accounting principles provide entities the option to measure eligible financial assets, financial liabilities and commitments at fair value (i.e. the fair value option), on an instrument-by-instrument basis, that are otherwise not permitted to be accounted for at fair value under other accounting standards. The election to use the fair value option is available when an entity first recognizes a financial asset or financial liability or upon entering into a commitment. Subsequent changes in fair value must be recorded in earnings. The Company applies the fair value option on residential mortgage loans held for sale. The fair value option on residential mortgage loans allows the recognition of gains on sale of mortgage loans to more accurately reflect the timing and economics of the transaction.

 

The standard for fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below.

 

Basis of Fair Value Measurement:

Level 1- Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;

Level 2- Quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability;

Level 3- Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported by little or no market activity). Changes to interest rates may result in changes in the cash flows due to prepayments or extinguishments. Accordingly, this could result in higher or lower measurements of the fair values.

 

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

 

Assets and Liabilities

Mortgage loans held for sale

Mortgage loans held for sale are valued based on quotations from the secondary market for similar instruments and are classified as Level 2 of the fair value hierarchy.

 

Investments available-for-sale

U.S. government agencies, mortgage-backed securities and corporate debt

Valuations are based on active market data and use of evaluated broker pricing models that vary based by asset class and includes available trade, bid, and other market information. Generally, the methodology includes broker quotes, proprietary models, descriptive terms and conditions databases coupled with extensive quality control programs. Multiple quality control evaluation processes review available market, credit and deal level information to support the evaluation of the security. If there is a lack of objectively verifiable information available to support the valuation, the evaluation of the security is discontinued. Additionally, proprietary models and pricing systems, mathematical tools, actual transacted prices, integration of market developments and experienced evaluators are used to determine the value of a security based on a hierarchy of market information regarding a security or securities with similar characteristics. The Company does not adjust the quoted price for such securities. Such instruments are generally classified within Level 2 of the fair value hierarchy.

 

State and municipal securities

Proprietary valuation matrices are used for valuing all tax-exempt municipals that can incorporate changes in the municipal market as they occur. Market evaluation models include the ability to value bank qualified municipals and general market municipals that can be broken down further according to insurer, credit support, state of issuance and rating to incorporate additional spreads and municipal curves. Taxable municipals are valued using a third party model that incorporates a methodology that captures the trading nuances associated with these bonds. Such instruments are generally classified within Level 2 of the fair value hierarchy.

 

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Trust preferred securities

In active markets, these types of instruments are valued based on quoted market prices that are readily accessible at the measurement date and are classified within Level 1 of the fair value hierarchy. Positions that are not traded in active markets or are subject to transfer restrictions are valued or adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management uses a process that employs certain assumptions to determine the present value. For further information, refer to Note 2 – Investments. Positions that are not traded in active markets or are subject to transfer restrictions are classified within Level 3 of the fair value hierarchy.

 

Interest rate swap agreements

Interest rate swap agreements are measured by alternative pricing sources with reasonable levels of price transparency in markets that are not active. Based on the complex nature of interest rate swap agreements, the markets these instruments trade in are not as efficient and are less liquid than that of the more mature Level 1 markets. These markets do however have comparable, observable inputs in which an alternative pricing source values these assets in order to arrive at a fair market value. These characteristics classify interest rate swap agreements as Level 2.

 

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Assets Measured at Fair Value on a Recurring Basis

The following tables set forth the Company’s financial assets and liabilities at the December 31 for the years indicated that were accounted for or disclosed at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement:

 

   2012 
(In thousands)  Quoted Prices in
Active Markets for
Identical Assets
(Level 1)		   Significant Other
Observable Inputs
(Level 2)		   Significant
Unobservable
Inputs
(Level 3)		   Total 
Assets                    
Residential mortgage loans held for sale  $-   $36,149   $-   $36,149 
Investments available-for-sale:                    
U.S. government agencies   -    156,428    -    156,428 
State and municipal   -    174,491    -    174,491 
Mortgage-backed   -    490,479    -    490,479 
Corporate debt   -    1,996    -    1,996 
Trust preferred   -    -    1,465    1,465 
Marketable equity securities   -    723    -    723 
Interest rate swap agreements   -    1,280    -    1,280 
                     
Liabilities                    
Interest rate swap agreements  $-   $(1,280)  $-   $(1,280)

 

   2011 
(In thousands)  Quoted Prices in
Active Markets for
Identical Assets
(Level 1)		   Significant Other
Observable Inputs
(Level 2)		   Significant
Unobservable
Inputs
(Level 3)		   Total 
Assets                    
Residential mortgage loans held for sale  $-   $25,341   $-   $25,341 
Investments available-for-sale:                    
U.S. government agencies   -    200,252    -    200,252 
State and municipal   -    173,111    -    173,111 
Mortgage-backed   -    570,144    -    570,144 
Corporate debt   -    1,978    -    1,978 
Trust preferred   3,249    -    2,467    5,716 
Marketable equity securities   -    100    -    100 
Interest rate swap agreements   -    1,529    -    1,529 
                     
Liabilities                    
Interest rate swap agreements  $-   $(1,529)  $-   $(1,529)

 

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The following table provides unrealized losses included in assets measured in the Consolidated Statements of Condition at fair value on a recurring basis for the periods indicated:

   Significant
Unobservable
Inputs		 
(In thousands)  (Level 3) 
Investments available-for-sale:     
Balance at January 1, 2012  $2,467 
Total OTTI included in earnings   (109)
Principal redemption   (1,134)
Total unrealized losses included in other comprehensive income (loss)   241 
Balance at December 31, 2012  $1,465 

 

Assets Measured at Fair Value on a Nonrecurring Basis

The following table sets forth the Company’s financial assets subject to fair value adjustments (impairment) on a nonrecurring basis at December 31 for the year indicated that are valued at the lower of cost or market. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement:

 

   2012 
(In thousands)  Quoted Prices in
Active Markets
for Identical
Assets (Level 1)		   Significant
Other
Observable
Inputs (Level 2)		   Significant
Unobservable
Inputs (Level 3)		   Total   Total Losses 
Impaired loans  $-   $-   $43,624   $43,624   $(6,730)
Other real estate owned   -    -    5,926    5,926    (188)
Total  $-   $-   $49,550   $49,550   $(6,918)

 

   2011 
(In thousands)  Quoted Prices in
Active Markets
for Identical
Assets (Level 1)		   Significant Other
Observable
Inputs (Level 2)		   Significant
Unobservable
Inputs (Level 3)		   Total   Total Losses 
Impaired loans  $-   $-   $59,784   $59,784   $(5,565)
Other real estate owned   -    -    4,431    4,431    (786)
Total  $-   $-   $64,215   $64,215   $(6,351)

 

At December 31, 2012, impaired loans totaling $48.8 million were written down to fair value of $43.6 million as a result of specific loan loss allowances of $5.2 million associated with the impaired loans which was included in the allowance for loan losses. Impaired loans totaling $67.6 million were written down to fair value of $59.8 million at December 31, 2011 as a result of specific loan loss allowances of $7.8 million associated with the impaired loans.

 

Loan impairment is measured using the present value of expected cash flows, the loan’s observable market price or the fair value of the collateral (less selling costs) if the loans are collateral dependent and are classified at a Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable. The value of business equipment, inventory and accounts receivable collateral is based on net book value on the business’ financial statements and, if necessary, discounted based on management’s review and analysis. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and client’s business. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the factors identified above. Valuation techniques are consistent with those techniques applied in prior periods.

 

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Other real estate owned (“OREO”) is adjusted to fair value upon transfer of the loans to OREO. Subsequently, OREO is carried at the lower of carrying value or fair value. The estimated fair value for other real estate owned included in Level 3 is determined by independent market based appraisals and other available market information, less cost to sell, that may be reduced further based on market expectations or an executed sales agreement. If the fair value of the collateral deteriorates subsequent to initial recognition, the Company records the OREO as a non-recurring Level 3 adjustment. Valuation techniques are consistent with those techniques applied in prior periods.

 

Fair Value of Financial Instruments

The Company discloses fair value information about financial instruments for which it is practicable to estimate the value, whether or not such financial instruments are recognized on the balance sheet. Fair value is the amount at which a financial instrument could be exchanged in a current transaction between willing parties, other than in a forced sale or liquidation, and is best evidenced by a quoted market price, if one exists.

 

Quoted market prices, where available, are shown as estimates of fair market values. Because no quoted market prices are available for a significant portion of the Company's financial instruments, the fair value of such instruments has been derived based on the amount and timing of future cash flows and estimated discount rates.

 

Present value techniques used in estimating the fair value of many of the Company's financial instruments are significantly affected by the assumptions used. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate cash settlement of the instrument. Additionally, the accompanying estimates of fair values are only representative of the fair values of the individual financial assets and liabilities, and should not be considered an indication of the fair value of the Company.

 

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The carrying amounts and fair values of the Company’s financial instruments at December 31 for the year indicated are presented in the following table:

           Fair Value Measurements 
   2012   Quoted Prices in         
       Estimated   Active Markets for   Significant Other   Significant 
   Carrying   Fair   Identical Assets   Observable Inputs   Unobservable Inputs 
(In thousands)  Amount   Value   (Level 1)   (Level 2)   (Level 3) 
Financial Assets                         
Investments held-to-maturity and other equity securities  $249,450   $255,660   $-   $255,660   $- 
Loans, net of allowance   2,488,171    2,453,314    -    -    2,453,314 
Other assets   83,714    83,714    -    83,714    - 
                          
Financial Liabilities                         
Time Deposits  $524,820   $528,074   $-   $528,074   $- 
Securities sold under retail repurchase agreements and federal funds purchased   86,929    86,929    -    86,929    - 
Advances from FHLB   405,058    451,408    -    451,408    - 
Subordinated debentures   35,000    9,919    -    -    9,919 

 

           Fair Value Measurements 
   2011   Quoted Prices in         
       Estimated   Active Markets for   Significant Other   Significant 
   Carrying   Fair   Identical Assets   Observable Inputs   Unobservable Inputs 
(In thousands)  Amount   Value   (Level 1)   (Level 2)   (Level 3) 
Financial Assets                         
Investments held-to-maturity and other equity securities  $213,398   $219,100   $-   $219,100   $- 
Loans, net of allowance   2,190,266    2,276,333    -    -    2,276,333 
Other assets   81,098    81,098    -    81,098    - 
                          
Financial Liabilities                         
Time Deposits  $584,321   $588,818   $-   $588,818   $- 
Securities sold under retail repurchase agreements and federal funds purchased   143,613    143,613    -    143,613    - 
Advances from FHLB   405,408    452,378    -    452,378    - 
Subordinated debentures   35,000    9,810    -    -    9,810 

 

The following methods and assumptions were used to estimate the fair value of each category of financial instruments for which it is practicable to estimate that value:

 

Cash and Temporary Investments: The carrying amounts of cash and cash equivalents approximate their fair value and have been excluded from the table above.

 

Investments: The fair value of marketable securities is based on quoted market prices, prices quoted for similar instruments, and prices obtained from independent pricing services.

 

Loans: For certain categories of loans, such as mortgage, installment and commercial loans, the fair value is estimated by discounting the expected future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and similar remaining maturities. Expected cash flows were projected based on contractual cash flows, adjusted for estimated prepayments.

 

Accrued interest receivable: The carrying value of accrued interest receivable approximates fair value due to the short-term duration and has been excluded from the table above.

 

Other assets: The investment in bank-owned life insurance represents the cash surrender value of the policies at December 31, 2012 and 2011, respectively, as determined by the each insurance carrier. The carrying value of accrued interest receivable approximates fair values due to the short-term duration.

 

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Deposits: The fair value of demand, money market savings and regular savings deposits, which have no stated maturity, were considered equal to their carrying amount, representing the amount payable on demand. While management believes that the Bank’s core deposit relationships provide a relatively stable, low-cost funding source that has a substantial intangible value separate from the value of the deposit balances, these estimated fair values do not include the intangible value of core deposit relationships, which comprise a significant portion of the Bank’s deposit base.

 

Short-term borrowings: The carrying values of short-term borrowings, including overnight, securities sold under agreements to repurchase and federal funds purchased approximates the fair values due to the short maturities of those instruments.

 

Long-term borrowings: The fair value of the Federal Home Loan Bank of Atlanta advances and subordinated debentures was estimated by computing the discounted value of contractual cash flows payable at current interest rates for obligations with similar remaining terms. The Company's credit risk is not material to calculation of fair value because these borrowings are collateralized. The Company classifies advances from the Federal Home Loan Bank of Atlanta within Level 2 of the fair value hierarchy since the fair value of such borrowings is based on rates currently available for borrowings with similar terms and remaining maturities. Subordinated debentures are classified as Level 3 in the fair value hierarchy due to the lack of market activity of such instruments.

 

Accrued interest payable: The carrying value of accrued interest payable approximates fair value due to the short-term duration and has been excluded from the table above.

 

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Note 22 – Parent Company Financial Information

Financial statements for Sandy Spring Bancorp, Inc. (Parent Only) for the periods indicated are presented in the following tables:

 

Statements of Condition

   December 31, 
(In thousands)  2012   2011 
Assets          
Cash and cash equivalents  $10,035   $8,326 
Investments available for sale (at fair value)   723    100 
Investment in subsidiary   472,938    424,965 
Loan to subsidiary   35,000    35,000 
Dividend receivable from subsidiary   -    13,000 
Other assets   338    327 
Total assets  $519,034   $481,718 
           
Liabilities          
Subordinated debentures  $35,000   $35,000 
Accrued expenses and other liabilities   522    609 
Total liabilities   35,522    35,609 
Stockholders’ Equity          
Common stock   24,905    24,091 
Additional paid in capital   191,689    177,828 
Retained earnings   255,606    230,942 
Accumulated other comprehensive loss   11,312    13,248 
Total stockholders’ equity   483,512    446,109 
Total liabilities and stockholders’ equity  $519,034   $481,718 

 

Statements of Income

   Year Ended December 31, 
(In thousands)  2012   2011   2010 
Income:               
Cash dividends from subsidiary  $12,028   $21,339   $- 
Other income   982    945    1,191 
Total income   13,010    22,284    1,191 
Expenses:               
Interest   959    913    940 
Other expenses   1,003    784    911 
Total expenses   1,962    1,697    1,851 
Income (loss) before income taxes and equity in undistributed income (loss) of subsidiary   11,048    20,587    (660)
Income tax benefit   (221)   (210)   (167)
Income (loss) before equity in undistributed income (loss) of subsidiary   11,269    20,797    (493)
Equity in undistributed income of subsidiary   25,285    13,305    24,013 
Net income   36,554    34,102    23,520 
Preferred stock dividends and discount accretion   -    -    6,149 
Net income available to common shareholders  $36,554   $34,102   $17,371 

 

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Statements of Cash Flows

   Year Ended December 31, 
(In thousands)  2012   2011   2010 
Cash Flows from Operating Activities:               
Net income  $36,554   $34,102   $23,520 
Adjustments to reconcile net income to net cash provided by operating activities:               
Equity in undistributed income-subsidiary   (25,285)   (13,305)   (24,013)
Dividends receivable from subsidiary bank        (13,000)   - 
Share based compensation expense   1,451    1,207    904 
Net change in other liabilities   (158)   (184)   43 
Decrease in dividends receivable   13,000           
Other-net   (10,804)   (87)   14 
Net cash provided by operating activities   14,758    8,733    468 
Cash Flows from Investing Activities:               
Purchase of investment available-for-sale   (511)   -    - 
Acquistion of business activity, net of cash acquired   (849)   -    - 
Net cash used by investing activities   (1,360)   -    - 
Cash Flows from Financing Activities:               
Redemption of preferred stock   -    -    (83,094)
Redemption of stock warrant   -    (4,449)   - 
Proceeds from issuance of common stock   99    314    96,464 
Tax benefit from stock options exercised   102    91    201 
Repurchase of common stock   -    (334)   - 
Dividends paid   (11,890)   (8,259)   (4,563)
Net cash provided (used) by financing activities   (11,689)   (12,637)   9,008 
Net increase (decrease) in cash and cash equivalents   1,709    (3,904)   9,476 
Cash and cash equivalents at beginning of year   8,326    12,230    2,754 
Cash and cash equivalents at end of year  $10,035   $8,326   $12,230 

 

Note 23 – Regulatory Matters

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company and the Bank's capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

Quantitative measures established and defined by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. As of December 31, 2012 and 2011, the capital levels of the Company and the Bank substantially exceeded all applicable capital adequacy requirements.

 

As of December 31, 2012, the most recent notification from the Bank’s primary regulator categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since that notification that management believes have changed the Bank's category.

 

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The Company's and the Bank's actual capital amounts and ratios at December 31 for the years indicated are presented in the following table:

 

                   To Be Well 
                   Capitalized Under 
           For Capital   Prompt Corrective 
   Actual   Adequacy Purposes   Action Provisions 
(Dollars in thousands)  Amount   Ratio   Amount   Ratio   Amount   Ratio 
                         
As of December 31, 2012:                              
Total Capital to risk-weighted assets                              
Company  $456,791    15.40%  $237,308    8.00%   N/A    N/A 
Sandy Spring Bank  $445,097    15.02%  $237,066    8.00%  $296,332    10.00%
Tier 1 Capital to risk-weighted assets                              
Company  $419,639    14.15%  $118,654    4.00%   N/A    N/A 
Sandy Spring Bank  $372,983    12.59%  $118,533    4.00%  $177,799    6.00%
Tier 1 Leverage                              
Company  $419,639    10.98%  $114,628    3.00%   N/A    N/A 
Sandy Spring Bank  $372,983    9.77%  $114,553    3.00%  $190,922    5.00%
                               
As of December 31, 2011:                              
Total Capital to risk-weighted assets                              
Company  $419,780    15.83%  $212,199    8.00%   N/A    N/A 
Sandy Spring Bank  $397,526    15.00%  $212,016    8.00%  $265,021    10.00%
Tier 1 Capital to risk-weighted assets                              
Company  $386,423    14.57%  $106,099    4.00%   N/A    N/A 
Sandy Spring Bank  $329,197    12.42%  $106,008    4.00%  $159,012    6.00%
Tier 1 Leverage                              
Company  $386,423    10.84%  $106,976    3.00%   N/A    N/A 
Sandy Spring Bank  $329,197    9.24%  $106,920    3.00%  $178,200    5.00%

 

Note 24 - Segment Reporting

Currently, the Company conducts business in three operating segments—Community Banking, Insurance and Investment Management. Each of the operating segments is a strategic business unit that offers different products and services. The Insurance and Investment Management segments were businesses that were acquired in separate transactions where management of acquisition was retained. The accounting policies of the segments are the same as those of the Company. However, the segment data reflect inter-segment transactions and balances.

 

The Community Banking segment is conducted through Sandy Spring Bank and involves delivering a broad range of financial products and services, including various loan and deposit products to both individuals and businesses. Parent company income is included in the Community Banking segment, as the majority of effort of these functions is related to this segment. Major revenue sources include net interest income, gains on sales of mortgage loans, trust income, fees on sales of investment products and service charges on deposit accounts. Expenses include personnel, occupancy, marketing, equipment and other expenses. Non-cash charges associated with amortization of intangibles related to the acquired entities for the years ended December 31, 2012, 2011 and 2010, amounted to $1.4 million, $1.4 million and $1.4 million, respectively.

 

The Insurance segment is conducted through Sandy Spring Insurance Corporation, a subsidiary of the Bank, and offers annuities as an alternative to traditional deposit accounts. Sandy Spring Insurance Corporation operates Sandy Spring Insurance, a general insurance agency located in Annapolis, Maryland, and Neff and Associates, located in Ocean City, Maryland. Major sources of revenue are insurance commissions from commercial lines, personal lines, and medical liability lines. Expenses include personnel and support charges. Non-cash charges associated with amortization of intangibles related to the acquired entities was not significant for the years ended December 31, 2012, 2011 and 2010, respectively.

 

106
 

 

The Investment Management segment is conducted through West Financial Services, Inc., a subsidiary of the Bank. This asset management and financial planning firm, located in McLean, Virginia, provides comprehensive investment management and financial planning to individuals, families, small businesses and associations including cash flow analysis, investment review, tax planning, retirement planning, insurance analysis and estate planning. West Financial currently has approximately $822 million in assets under management. Major revenue sources include non-interest income earned on the above services. Expenses include personnel and support charges. Non-cash charges associated with amortization of intangibles related to the acquired entities was not significant for the years ended December 31, 2012, 2011 and 2010, respectively.

 

107
 

 

Information for the operating segments and reconciliation of the information to the consolidated financial statements for the years ended December 31 is presented in the following tables:

   2012 
   Community       Investment   Inter-Segment     
(In thousands)  Banking   Insurance   Mgmt.   Elimination   Total 
Interest income  $143,870   $8   $12   $(20)  $143,870 
Interest expense   22,671    -    -    (20)   22,651 
Provision for loan and lease losses   3,649    -    -    -    3,649 
Noninterest income   42,312    4,837    5,620    (5,813)   46,956 
Noninterest expenses   108,421    4,190    3,129    (5,813)   109,927 
Income before income taxes   51,441    655    2,503    -    54,599 
Income tax expense   16,807    266    972    -    18,045 
Net income  $34,634   $389   $1,531   $-   $36,554 
                          
Assets  $3,964,926   $13,452   $16,341   $(39,513)  $3,955,206 

 

   2011 
   Community       Investment   Inter-Segment     
(In thousands)  Banking   Insurance   Mgmt.   Elimination   Total 
Interest income  $139,531   $5   $8   $(74)  $139,470 
Interest expense   26,598    -    -    (74)   26,524 
Provision (credit) for loan and lease losses   1,428    -    -    -    1,428 
Noninterest income   33,768    5,142    5,400    (810)   43,500 
Noninterest expenses   98,320    4,450    3,111    (810)   105,071 
Income before income taxes   46,953    697    2,297    -    49,947 
Income tax expense   14,667    283    895    -    15,845 
Net income  $32,286   $414   $1,402   $-   $34,102 
                          
Assets  $3,742,916   $13,067   $14,806   $(59,419)  $3,711,370 

 

   2010 
   Community       Investment   Inter-Segment     
(In thousands)  Banking   Insurance   Mgmt.   Elimination   Total 
Interest income  $148,731   $7   $5   $(394)  $148,349 
Interest expense   33,136    -    -    (394)   32,742 
Provision for loan and lease losses   25,908    -    -    -    25,908 
Noninterest income   33,720    5,807    5,065    (810)   43,782 
Noninterest expenses   94,001    4,556    3,165    (810)   100,912 
Income before income taxes   29,406    1,258    1,905    -    32,569 
Income tax expense   7,798    509    742    -    9,049 
Net income  $21,608   $749   $1,163   $-   $23,520 
                          
Assets  $3,527,889   $12,671   $13,409   $(34,581)  $3,519,388 

 

108
 

 

Note 25 – Quarterly Financial Results (unaudited)

A summary of selected consolidated quarterly financial data for the years ended December 31 is provided in the following tables:

 

   2012 
   First   Second   Third   Fourth 
(In thousands, except per share data)  Quarter   Quarter   Quarter   Quarter 
Interest income  $34,615   $35,558   $37,495   $36,202 
Interest expense   5,910    5,749    5,710    5,282 
Net interest income   28,705    29,809    31,785    30,920 
Provision (credit) for loan and lease losses   664    1,585    232    1,168 
Noninterest income   10,974    11,493    12,242    12,247 
Noninterest expense   26,683    28,858    27,167    27,219 
Income before income taxes   12,332    10,859    16,628    14,780 
Income tax expense   3,856    3,652    5,638    4,899 
Net income  $8,476   $7,207   $10,990   $9,881 
                     
Basic net income per share  $0.35   $0.30   $0.44   $0.40 
Diluted net income per share  $0.35   $0.30   $0.44   $0.40 

 

   2011 
   First   Second   Third   Fourth 
(In thousands, except per share data)  Quarter   Quarter   Quarter   Quarter 
Interest income  $34,750   $35,008   $35,004   $34,708 
Interest expense   6,740    6,854    6,674    6,256 
Net interest income   28,010    28,154    28,330    28,452 
Provision (credit) for loan and lease losses   1,515    1,151    (3,520)   2,282 
Noninterest income   9,992    10,802    11,336    11,370 
Noninterest expense   26,062    25,838    25,848    27,323 
Income before income taxes   10,425    11,967    17,338    10,217 
Income tax expense   3,134    3,671    6,081    2,959 
Net income  $7,291   $8,296   $11,257   $7,258 
                     
Basic net income per share  $0.30   $0.34   $0.47   $0.30 
Diluted net income per share  $0.30   $0.34   $0.47   $0.30 

 

109
 

 

Item 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.

 

Item 9A. CONTROLS AND PROCEDURES

Fourth Quarter 2012 Changes In Internal Controls Over Financial Reporting

No change occurred during the fourth quarter of 2012 that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

Disclosure Controls and Procedures

As required by SEC rules, the Company’s management evaluated the effectiveness of the Company’s disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) as of December 31, 2012. The Company’s chief executive officer and chief financial officer participated in the evaluation. Based on this evaluation, the Company’s chief executive officer and chief financial officer concluded that the Company’s disclosure controls and procedures were effective as of December 31, 2012.

 

Management’s annual report on internal control over financial reporting is located on page 50 of this report.

 

Item 9B. OTHER INFORMATION

 

None.

 

PART III

 

Item 10. Directors, Executive Officers and Corporate Governance

 

The material labeled “Information as to Nominees and Incumbent Directors,” “Corporate Governance,” “Code of Business Conduct,” “Compliance with Section 16(a) of the Securities Exchange Act of 1934,” “Shareholder Proposals and Communications,” and “Report of the Audit Committee” in the Proxy Statement is incorporated in this Report by reference. Information regarding executive officers is included under the caption “Executive Officers” on page 13 of this Report.

 

Item 11. Executive Compensation

 

The material labeled "Corporate Governance and Other Matters," "Executive Compensation," and "Compensation Committee Report" in the Proxy Statement is incorporated in this Report by reference.

 

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

 

The material labeled “Owners of More than 5% of Bancorp’s Common Stock” and, "Stock Ownership of Directors and Executive Officers" in the Proxy Statement is incorporated in this Report by reference. Information regarding securities authorized for issuance under equity compensation plans is incorporated by reference from “Equity Compensation Plans” on page 21.

 

Item 13. Certain Relationships and Related Transactions and Director Independence

 

The material labeled “Director Independence” and "Transactions and Relationships with Management" in the Proxy Statement is incorporated in this Report by reference.

 

Item 14. Principal Accounting Fees and Services

 

The material labeled “Audit and Non-Audit” Fees in the Proxy Statement is incorporated in this Report by reference.

 

110
 

 

PART IV.

Item 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES

 

The following financial statements are filed as a part of this report:

 

Consolidated Statements of Condition at December 31, 2012 and 2011

Consolidated Statements of Income for the years ended December 31, 2012, 2011 and 2010

Consolidates Statements of Comprehensive Income for the years ended December 31, 2012, 2011 and 2010

Consolidated Statements of Cash Flows for the years ended December 31, 2012, 2011 and 2010

Consolidated Statements of Changes in Stockholders' Equity for the years ended December 31, 2012, 2011 and 2010

Notes to the Consolidated Financial Statements

Reports of Registered Public Accounting Firm

 

All financial statement schedules have been omitted, as the required information is either not applicable or included in the Consolidated Financial Statements or related Notes.

 

Exhibit No.   Description   Incorporated by Reference to:
         
3(a)   Articles of Incorporation of Sandy Spring Bancorp, Inc., as amended   Exhibit 3.1 to Form 10-Q for the quarter ended June 30, 1996, SEC File No. 0-19065.
         
3(b)   Articles of Amendment to the Articles of Incorporation of Sandy Spring Bancorp, Inc.   Exhibit 3(b) to Form 10-K for the year ended December 31, 2011, SEC File No. 0-19065
         
3(c)   Bylaws of Sandy Spring Bancorp, Inc.   Exhibit 3.2 to Form 8-K dated May 13, 1992, SEC File No. 0-19065.
         
4(a)   No long-term debt instrument issued by the Company exceeds 10% of consolidated assets or is registered. In accordance with paragraph 4(iii) of Item 601(b) of Regulation S-K, the Company will furnish the SEC copies of all long-term debt instruments and related agreements upon request.    
         
10(a)*   Amended and Restated Sandy Spring Bancorp, Inc., Cash and Deferred Profit Sharing Plan and Trust   Exhibit 10(a) to Form 10-Q for the quarter ended September 30, 1997, SEC File No. 0-19065.
         
10(b)*   Sandy Spring Bancorp, Inc. 2005 Omnibus Stock Plan   Exhibit 10.1 to Form 8-K dated June 27, 2005, SEC File No. 0-19065.
         
10(c)*   Sandy Spring Bancorp, Inc. 1999 Stock Option Plan   Exhibit 4 to Registration Statement on Form S-8, Registration Statement No. 333-81249.
         
10(d)*   Form of Director Fee Deferral Agreement, August 26, 1997, as amended   Exhibit 10(h) to Form 10-K for the year ended December 31, 2003, SEC File No. 0-19065.
         
10(e)*   Employment Agreement by and among Sandy Spring Bancorp, Inc., Sandy Spring Bank, and Philip J. Mantua   Exhibit 10.2 to Form 8-K filed on January 17, 2012, SEC File No. 0-19065.
         
10(f)*   Employment Agreement by and among Sandy Spring Bancorp, Inc., Sandy Spring Bank, and Daniel J. Schrider   Exhibit 10(h) to Form 10-K for the year ended December 31, 2008, SEC File No. 0-19065.
         
10(g)*   Form of Sandy Spring National Bank of Maryland Officer Group Term Replacement Plan   Exhibit 10(r) to Form 10-K for the year ended December 31, 2001, SEC File No. 0-19065.
         
10(h)*   Sandy Spring Bancorp, Inc. Directors’ Stock Purchase Plan   Exhibit 4 to Registration Statement on Form S-8, File No. 333-117330.
         
10(i)*   Sandy Spring Bank Executive Incentive Retirement Plan   Exhibit 10(v) to Form 10-K for the year ended December 31, 2007, SEC File No. 0-19065.
         
10(j)*   Form of Amendment to Directors’ Fee Deferral Agreement   Exhibit 10(o) to Form 10-K for the year ended December 31, 2008, SEC File No. 0-19065.

 

111
 

 

Exhibit No.   Description   Incorporated by Reference to:
         
10(k)*   Sandy Spring Bancorp, Inc. 2011 Employee Stock Purchase Plan   Appendix A of the Definitive Proxy Statement filed on March 28, 2011, SEC File No. 0-19065.
         
10(m)*   Change in Control Agreement by and among Sandy Spring Bancorp, Inc., Sandy Spring Bank, and R. Louis Caceres   Exhibit 10(m) to Form 10-K for the year ended December 31, 2011, SEC File No. 0-19065
         
10(n)*   Employment Agreement by and among Sandy Spring Bancorp, Inc., Sandy Spring Bank, and Joseph J. O’Brien, Jr.   Exhibit 10.2 to Form 8-K filed on January 17, 2012, SEC File No. 0-19065.
         
10(o)*   Change in Control Agreement by and between Sandy Spring Bancorp, Sandy Spring Bank, and Jeffrey Welch   Exhibit 10(o) to Form 10-K for the year ended December 31, 2011, SEC File No. 0-19065
         
10(p)*   Executive Team Incentive Plan   Exhibit 10.1 to Form 8-K filed on March 31, 2011, SEC File No. 0-19065
         
10(q)*   Second Amendment to Employment Agreement Between Sandy Spring Bancorp, Inc., Sandy Spring Bank and Daniel J. Schrider Dated January 1, 2009   Exhibit 10.1 to Form 8-K dated March 7, 2013, SEC File No. 0-19065.
         
10(r)*   Amendment to Employment Agreement Between Sandy Spring Bancorp, Inc., Sandy Spring Bank and Philip J. Mantua Dated January 13, 2012   Exhibit 10.2 to Form 8-K dated March 7, 2013, SEC File No. 0-19065.
         
10(s)*   Amendment to Employment Agreement Between Sandy Spring Bancorp, Inc., Sandy Spring Bank and Joseph J. O’Brien, Jr. Dated January 13, 2012   Exhibit 10.3 to Form 8-K dated March 7, 2013, SEC File No. 0-19065.
         
10(t)*   Amendment to Change in Control Agreement Between Sandy Spring Bancorp, Inc., Sandy Spring Bank and R. Louis Caceres Dated March 9, 2012   Exhibit 10.4 to Form 8-K dated March 7, 2013, SEC File No. 0-19065.
         
10(u)*   Amendment to Change in Control Agreement Between Sandy Spring Bancorp, Inc., Sandy Spring Bank and Jeffrey A. Welch Dated March 9, 2012   Exhibit 10.5 to Form 8-K dated March 7, 2013, SEC File No. 0-19065.
         
21   Subsidiaries    
         
23   Consent of Grant Thornton LLP    
         
31(a)   Rule 13a-14(a)/15d-14(a) Certification    
         
31(b)   Rule 13a-14(a)/15d-14(a) Certification    
         
32(a)   18 U.S.C. Section 1350 Certification    
         
32(b)   18 U.S.C. Section 1350 Certification    
         
101   The following materials from the Sandy Spring Bancorp, Inc. Annual report on Form 10-K for the year ended December 31, 2012 formatted in Extensible Business Reporting Language (XBRL): (i) the Consolidated Statements of Condition; (ii) the Consolidated Statements of Income; (iii) the Consolidated Statements of Comprehensive Income; (iv) the Consolidated Statements of Cash Flows; (v) the Consolidated Statements of Changes in Stockholders’ Equity; and (vi) related notes.    

* Management Contract or Compensatory Plan or Arrangement filed pursuant to Item 15(b) of this Report.

 

112
 

 

Shareholders may obtain, upon payment of a reasonable fee, a copy of the exhibits to this Report on Form 10-K by writing Ronald E. Kuykendall, General Counsel and Secretary, at Sandy Spring Bancorp, Inc., 17801 Georgia Avenue, Olney, Maryland 20832. Shareholders also may access a copy of the Form 10-K including exhibits on the SEC Web site at www.sec.gov or through the Company’s Investor Relations Web site maintained at www.sandyspringbank.com.

 

SIGNATURES

Pursuant to the requirements of Section 13 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.

 

SANDY SPRING BANCORP, INC.

(Registrant)

 

By: /s/ Daniel J. Schrider  
Daniel J. Schrider  
President and Chief Executive Officer  

 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated as of March 18, 2013.

 

Principal Executive Officer and Director:   Principal Financial and Accounting Officer:
/s/ Daniel J. Schrider   /s/ Philip J. Mantua
Daniel J. Schrider   Philip J. Mantua
President and Chief Executive Officer   Executive Vice President and Chief Financial Officer

 

Signature   Title
     
/s/Ralph F. Boyd, Jr.   Director
Ralph F. Boyd, Jr.  
     
/s/ Mark E. Friis   Director
Mark E. Friis    
     
/s/ Susan D. Goff   Director
Susan D. Goff    
     
/s/_Solomon Graham   Director
Solomon Graham    
     
/s/ Robert E. Henel, Jr.   Director
Robert E. Henel, Jr.    
     
/s/ Pamela A. Little   Director
Pamela A. Little    
     
/s/_Gary G. Nakamoto   Director
Gary G. Nakamoto    
     
/s/_Robert L. Orndorff   Director
Robert L. Orndorff    
     
/s/ Craig A. Ruppert   Director
Craig A. Ruppert    

 

113
 

 

/s/ Dennis A. Starliper   Director
Dennis A. Starliper    
     
/s/Mei Xu   Director
Mei Xu    

 

114

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Exhibit 21

 

 

SUBSIDIARIES OF THE REGISTRANT

 

 

The following is a list of all subsidiaries of the Registrant

 

Name   Jurisdiction of Incorporation
     
Sandy Spring Capital Trust II   Delaware
Sandy Spring Bank   Maryland
Sandy Spring Insurance Corporation t/a Chesapeake Insurance Group*   Maryland
The Equipment Leasing Company* (non-operating)   Maryland
West Financial Services, Inc.*   Maryland
Sandy Spring Mortgage Corporation* (non-operating)   Maryland
     

*Direct subsidiaries of Sandy Spring Bank

 

 

 

 EX-23 5 v334103_ex23.htm EX-23

 

Exhibit 23

 

 

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

 

We have issued our reports dated March 18, 2013, with respect to the consolidated financial statements and internal control over financial reporting included in the Annual Report of Sandy Spring Bancorp, Inc. and subsidiaries’ on Form 10-K for the year ended December 31, 2012. We hereby consent to the incorporation by reference of said reports in the following Registration Statements of Sandy Spring Bancorp, Inc.:

 

-Registration statement (Form S-8, File No. 33-48453, effective December 16, 1996) pertaining to Sandy Spring Bancorp, Inc. Cash and Deferred Profit Sharing Plan and Trust
-Registration statement (Form S-8; File No. 333-81249, effective June 22, 1999) pertaining to Sandy Spring Bancorp, Inc. 1999 Option Plan
-Registration statement (Form S-8; File No. 333-126701, effective July 19, 2005) pertaining to Sandy Spring Bancorp Inc. 2005 Omnibus Stock Plan
-Registration statement (Form S-8; File no. 333-166808, effective May 13, 2010) pertaining to Sandy Spring Bancorp Inc. Director Stock Purchase Plan, as amended and restated
-Registration statement (Form S-8; File no.333-174664, effective June 2, 2011) pertaining to Sandy Spring Bancorp Inc. 2011 Employee Stock Purchase Plan

 

 

 

/s/ Grant Thornton LLP

 

Philadelphia, Pennsylvania

March 18, 2013

 

 

 

 EX-31.A 6 v334103_ex31-a.htm EXHIBIT 31.A

 

Rule 13a-14(a) / 15d-14(a) Certifications

 

Exhibit 31 (a)

CERTIFICATION

 

I, Daniel J. Schrider, Chief Executive Officer of Sandy Spring Bancorp, Inc. (“Bancorp”), certify that:

 

1.I have reviewed this annual report on Form 10-K of Sandy Spring 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 and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d--15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

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

 

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

 

c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based upon 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 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 and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

 

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

 

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

 

Date: March 18, 2013 /s/Daniel J. Schrider
  Daniel J. Schrider
  Chief Executive Officer

 

 

 

 EX-31.B 7 v334103_ex31-b.htm EXHIBIT 31.B

Exhibit 31 (b)

CERTIFICATION

 

I, Philip J. Mantua, Executive Vice President and Chief Financial Officer of Sandy Spring Bancorp, Inc. (“Bancorp”), certify that:

 

1.I have reviewed this annual report on Form 10-K of Sandy Spring 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 and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d--15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

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

 

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

 

c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures as of the end of the period covered by this report based upon 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 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 and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

 

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

 

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

 

Date: March 18, 2013 /s/ Philip J. Mantua
  Philip J. Mantua
  Executive Vice President and
  Chief Financial Officer

 

 
 EX-32.A 8 v334103_ex32-a.htm EXHIBIT 32.A

 

Exhibit 32(a)

 

18 U.S.C. Section 1350 Certification

 

I hereby certify pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, to the best of my knowledge and belief, that the accompanying Form 10-K of Sandy Spring Bancorp, Inc. (“Bancorp”) for the period ended December 31, 2012, fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934(15 U.S.C. 78m or 78o(d)); and that the information contained in this Form 10-K fairly presents, in all material respects, the financial condition and results of operations of Bancorp.

 

By: /s/ Daniel J. Schrider  
  Daniel J. Schrider  
  Chief Executive Officer  
  Date: March 18, 2013  

 

 

 

 EX-32.B 9 v334103_ex32-b.htm EXHIBIT 32.B

Exhibit 32(b)

 

18 U.S.C. Section 1350 Certification

 

I hereby certify pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, to the best of my knowledge and belief, that the accompanying Form 10-K of Sandy Spring Bancorp, Inc. ("Bancorp") for the period ended December 31, 2012, fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)); and that the information contained in this Form 10-K fairly presents, in all material respects, the financial condition and results of operations of Bancorp.

 

By: /s/ Philip J. Mantua  
  Philip J. Mantua  
  Executive Vice President and Chief Financial Officer  
  Date: March 18, 2013  

 

 

 

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The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Certain reclassifications have been made to prior period amounts to conform to the current period presentation. 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Estimates that could change significantly relate to the provision for loan and lease losses and the related allowance, determination of impaired loans and the related measurement of impairment, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether impaired securities are other-than-temporarily impaired, valuation of other real estate owned, prepayment rates, valuation of share-based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, the calculation of current and deferred income taxes and the actuarial projections related to pension expense and the related liability.</font></p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;"><font style="color: black;">&#160;</font></p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;"><font style="color: black;"><b>Assets Under Management</b></font></p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;"><font style="color: black;">Assets held for others under fiduciary and agency relationships are not assets of the Company or its subsidiaries and are not included in the accompanying balance sheets. 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color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">49,426</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">62,135</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">64,559</font></td> <td style="width: 1%; text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Provision for loan and lease losses</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,649</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,428</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">25,908</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Loan and lease charge-offs</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">(12,804</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">)</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">(16,505</font></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">)</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">(32,616</font></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">)</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Loan and lease recoveries</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,686</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,368</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">4,284</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Net charge-offs</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">(10,118</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">)</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">(14,137</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font size="2" style="font-family:times new roman,times">)</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">(28,332</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font size="2" style="font-family:times new roman,times">)</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font size="2" style="font-family:times new roman,times">Balance at period end</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">42,957</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">49,426</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">62,135</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The following tables provide information on the activity in the allowance for loan and lease losses by the respective loan portfolio segment for the years ended December 31:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 6pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="34" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Residential Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Owner</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(Dollars in thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Business</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Leasing</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Consumer</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Mortgage</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Construction</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Total</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 37%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance at beginning of year</font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,727</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,664</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">8,248</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">7,329</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">795</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,873</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">10,583</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,207</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">49,426</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Provision (credit)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(758</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">826</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,928</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">804</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(478</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">44</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(167</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,550</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,649</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Charge-offs</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,022</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(3,281</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(3,690</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,174</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(8</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,298</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(2,107</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(224</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(12,804</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Recoveries</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,548</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">528</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">97</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">38</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">23</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">227</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">213</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">12</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,686</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Net charge-offs</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">526</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(2,753</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(3,593</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,136</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">15</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,071</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,894</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(212</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(10,118</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance at end of period</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,495</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,737</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">9,583</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,997</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">332</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,846</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">8,522</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,445</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">42,957</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Total loans and leases</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">346,708</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">151,933</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">456,888</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">571,510</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,421</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">356,990</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">523,364</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">120,314</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,531,128</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Allowance for loans and leases to total loans and leases ratio</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.87</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3.12</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.10</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.22</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">9.70</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.08</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.63</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.03</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.70</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance of loans specifically evaluated for impairment</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">8,984</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,332</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">11,843</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">15,184</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic; font-weight: bold;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><b><i>na.</i></b></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">31</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,528</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,871</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">48,773</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Allowance for loans specifically evaluated for impairment</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,597</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">774</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">598</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic; font-weight: bold;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><b><i>na.</i></b></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic; font-weight: bold;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><b><i>na.</i></b></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">713</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">467</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">5,149</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Specific allowance to specific loans ratio</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">28.91</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">0.00</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6.54</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3.94</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic; font-weight: bold;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><b><i>na.</i></b></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic; font-weight: bold;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><b><i>na.</i></b></font></td> <td style="text-align: left; color: black; font-style: italic; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">15.75</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">24.96</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">10.56</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance of loans collectively evaluated</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">337,724</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">145,601</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">445,045</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">556,326</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,421</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">356,959</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">518,836</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">118,443</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,482,355</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Allowance for loans collectively evaluated</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,898</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,737</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">8,809</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,399</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">332</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,846</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">7,809</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,978</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">37,808</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Collective allowance to collective loans ratio</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.15</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3.25</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.98</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.15</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">9.70</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.08</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.51</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.67</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.52</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 6pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="34" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2011</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Residential Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Owner</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(Dollars in thousands)</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Business</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Leasing</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Consumer</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Mortgage</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Construction</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Total</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 37%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance at beginning of year</font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">12,870</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">18,241</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,793</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">8,177</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">667</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,231</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">10,396</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,760</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">62,135</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Provision (credit)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(4,252</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(11,035</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,320</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(361</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,182</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,173</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">5,144</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,257</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,428</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Charge-offs</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(2,565</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,780</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(868</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(487</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,072</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(2,740</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(5,178</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,815</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(16,505</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Recoveries</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">674</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,238</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">18</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">209</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">221</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">5</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,368</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.125in;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Net charge-offs</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,891</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(542</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(865</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(487</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,054</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(2,531</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(4,957</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(1,810</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">(14,137</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">)</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance at end of year</font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,727</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,664</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">8,248</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">7,329</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">795</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,873</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">10,583</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,207</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">49,426</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Total loans and leases</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">260,327</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">160,946</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">371,948</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">522,076</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,954</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">360,080</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">448,662</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">108,699</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,239,692</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Allowance for loans and leases to total loans and leases ratio</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.58</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4.14</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.22</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.40</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">11.43</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.35</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.36</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3.87</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.21</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance of loans specifically evaluated for impairment</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">9,092</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">18,701</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">16,964</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">15,416</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><i>na.</i></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">35</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">5,108</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,259</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">67,575</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Allowance for loans specifically evaluated for impairment</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,037</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">7</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,380</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1,772</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><i>na.</i></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><i>na.</i></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">769</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">826</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">7,791</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Specific allowance to specific loans ratio</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">11.41</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">0.04</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">19.92</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">11.49</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><i>na.</i></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-style: italic;"><font style="color: black; font-size: 6pt;; font-family:times new roman,times" size="2"><i>na.</i></font></td> <td style="text-align: left; color: black; font-style: italic;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">15.05</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">36.56</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">11.53</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Balance of loans collectively evaluated</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">251,235</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">142,245</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">354,984</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">506,660</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,954</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">360,045</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">443,554</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">106,440</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2,172,117</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Allowance for loans collectively evaluated</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">5,690</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">6,657</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,868</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">5,557</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">795</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4,873</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">9,814</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3,381</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">41,635</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">Collective allowance to collective loans ratio</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.26</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">4.68</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.37</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.10</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">11.43</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.35</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">2.21</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">3.18</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> <td style="color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">1.92</font></td> <td style="text-align: left; color: black;"><font style="font-size: 6pt;; font-family:times new roman,times" size="2">%</font></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">&#160;</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The Company&#8217;s methodology for evaluating whether a loan is impaired begins with risk-rating credits on an individual basis and includes consideration of the borrower&#8217;s overall financial condition, payment record and available cash resources that may include the collateral value and, in a select few cases, verifiable support from financial guarantors. In measuring impairment, the Company looks primarily to the discounted cash flows of the project itself or to the value of the collateral as the primary sources of repayment of the loan. Collateral values or estimates of discounted cash flows (inclusive of any potential cash flow from guarantees) are evaluated to estimate the probability and severity of potential losses. The actual occurrence and severity of losses involving impaired credits can differ substantially from estimates.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The Company may consider the existence of guarantees and the financial strength and wherewithal of the guarantors involved in any loan relationship. Guarantees may be considered as a source of repayment based on the guarantor&#8217;s financial condition and respective payment capacity. Accordingly, absent a verifiable payment capacity, a guarantee alone would not be sufficient to avoid classifying the loan as impaired.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">Management has established a credit process that dictates that procedures be performed to monitor impaired loans between the receipt of an original appraisal and the updated appraisal. These procedures include the following:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="margin-top: 0pt; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0pt; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 36pt;"></td> <td style="width: 27.35pt;"><font style="color: black; font-family: symbol;; font-family:times new roman,times" size="2">&#183;</font></td> <td style="text-align: justify;"><font style="color: black;; font-family:times new roman,times" size="2">An internal evaluation is updated quarterly to include borrower financial statements and/or cash flow projections.</font></td> </tr> </table> <table style="margin-top: 0pt; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0pt; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 36pt;"></td> <td style="width: 27.35pt;"><font style="color: black; font-family: symbol;; font-family:times new roman,times" size="2">&#183;</font></td> <td style="text-align: justify;"><font style="color: black;; font-family:times new roman,times" size="2">The borrower may be contacted for a meeting to discuss an updated or revised action plan which may include a request for additional collateral.</font></td> </tr> </table> <table style="margin-top: 0pt; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0pt; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 36pt;"></td> <td style="width: 27.35pt;"><font style="color: black; font-family: symbol;; font-family:times new roman,times" size="2">&#183;</font></td> <td style="text-align: justify;"><font style="color: black;; font-family:times new roman,times" size="2">Re-verification of the documentation supporting the Company&#8217;s position with respect to the collateral securing the loan.</font></td> </tr> </table> <table style="margin-top: 0pt; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0pt; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 36pt;"></td> <td style="width: 27.35pt;"><font style="color: black; font-family: symbol;; font-family:times new roman,times" size="2">&#183;</font></td> <td style="text-align: justify;"><font style="color: black;; font-family:times new roman,times" size="2">At the monthly credit committee meeting the loan may be downgraded.</font></td> </tr> </table> <table style="margin-top: 0pt; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0pt; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 36pt;"></td> <td style="width: 27.35pt;"><font style="color: black; font-family: symbol;; font-family:times new roman,times" size="2">&#183;</font></td> <td style="text-align: justify;"><font style="color: black;; font-family:times new roman,times" size="2">Upon receipt of the updated appraisal or based on an updated internal financial evaluation, the loan balance is compared to the appraisal and a specific allowance is determined for the particular loan, typically for the amount of the difference between the appraisal and the loan balance.</font></td> </tr> </table> <table style="margin-top: 0pt; width: 100%; font: 10pt times new roman, times, serif; margin-bottom: 0pt; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: top;"> <td style="width: 36pt;"></td> <td style="width: 27.35pt;"><font style="color: black; font-family: symbol;; font-family:times new roman,times" size="2">&#183;</font></td> <td style="text-align: justify;"><font style="color: black;; font-family:times new roman,times" size="2">The Company will specifically reserve for or charge-off the excess of the loan amount over the amount of the appraisal. In certain cases the Company may establish a larger reserve due to knowledge of current market conditions or the existence of an offer for the collateral that will facilitate a more timely resolution of the loan.</font></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px 0pt 63.35pt; text-align: justify; text-indent: -27.35pt; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The Company generally follows a policy of not extending maturities on non-performing loans under existing terms. Certain performing loans that have displayed some inherent weakness in the underlying collateral values, an inability to comply with certain loan covenants which do not affect the performance of the credit or other identified weakness may have their terms extended on an exception basis. Maturity date extensions only occur under revised terms that place the Company in a better position to fully collect the loan under the contractual terms and /or terms at the time of the extension that may eliminate or mitigate the inherent weakness in the loan. These terms may incorporate, but are not limited to additional assignment of collateral, significant balance curtailments/liquidations and assignments of additional project cash flows. Documented or demonstrated guarantees may be a consideration in the extension of loan maturities. As a general matter, the Company does not view extension of a loan to be a satisfactory approach to resolving non-performing credits.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">Loans that have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief or other concessions to a borrower experiencing financial difficulty are considered trouble debt restructured loans. All restructurings that constitute concessions to a troubled borrower are considered impaired loans that may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided there is a sufficient period of payment performance in accordance with the restructure terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if their revised loans terms are considered to be consistent with terms that can be obtained in the credit market for loans with comparable risk. At December 31, 2012, restructured loans totaled $20.0 million, of which $10.1 million were accruing and $9.9 million were non-accruing. The Company has commitments to lend $5.1 million in additional funds on loans that have been restructured at December 31, 2012. Restructured loans at December 31, 2011 totaled $27.1 million, of which $6.9 million were accruing and $20.2 million were non-accruing. Commitments to lend additional funds on loans that have been restructured at December 31, 2011 amounted to $2.6 million.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">&#160;</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The following table provides summary information regarding impaired loans at December 31 and for the years then ended:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2"><font size="2" style="font-family:times new roman,times">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2"><font size="2" style="font-family:times new roman,times">2011</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2"><font size="2" style="font-family:times new roman,times">2010</font></td> <td style="color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 64%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Impaired loans with a valuation allowance</font></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 9%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">27,526</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 9%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">36,742</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 9%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">18,946</font></td> <td style="width: 1%; text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font size="2" style="font-family:times new roman,times">Impaired loans without a valuation allowance</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">21,247</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">30,833</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">50,668</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Total impaired loans</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">48,773</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">67,575</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">69,614</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Allowance for loan and lease losses related to impaired loans</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">5,149</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">7,791</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">3,845</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font size="2" style="font-family:times new roman,times">Allowance for loan and lease losses related to loans collectively evaluated</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">37,808</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">41,635</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">58,290</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Total allowance for loan and lease losses</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">42,957</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">49,426</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">62,135</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Average impaired loans for the period</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">57,438</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">68,377</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">75,556</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Contractual interest income due on impaired loans during the period</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,433</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">4,973</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">6,651</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Interest income on impaired loans recognized on a cash basis</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,121</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,523</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Interest income on impaired loans recognized on an accrual basis</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">560</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">325</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">524</font></td> <td style="text-align: left; color: black;"></td> </tr> </table> <p style="margin: 0px;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The following tables present the recorded investment with respect to impaired loans, the associated allowance by the applicable portfolio segment and the principal balance of the impaired loans prior to amounts charged-off at December 31 for the years indicated:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 8pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="22" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total Recorded</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">All</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investment in</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold;" nowrap="nowrap"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Other</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Impaired</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="color: black; font-size: 8pt;; font-family:times new roman,times" size="2"><b>Impaired loans <i>with</i> a specific allowance</b></font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 40%; color: black; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Non-accruing</font></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,514</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">10,219</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,319</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">17,052</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Restructured accruing</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,981</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,503</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,419</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">7,903</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Restructured non-accruing</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">228</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,039</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,304</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,571</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Balance</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">5,723</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">10,219</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,861</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">4,723</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">27,526</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Allowance</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,597</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">774</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">598</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,180</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">5,149</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="color: black; font-size: 8pt;; font-family:times new roman,times" size="2"><b>Impaired loans <i>without</i> a specific allowance</b></font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Non-accruing</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,846</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,033</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">577</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">6,191</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">11,647</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Restructured accruing</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,392</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">815</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,207</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Restructured non-accruing</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">23</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">3,299</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,047</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,132</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">892</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">7,393</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Balance</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">3,261</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,332</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,624</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">8,323</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,707</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">21,247</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Total impaired loans</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Non-accruing</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,360</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,033</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">10,796</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">10,510</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">28,699</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Restructured accruing</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,373</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,503</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,234</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">10,110</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.25in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Restructured non-accruing</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">251</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">3,299</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,047</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">3,170</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,196</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">9,964</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Balance</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">8,984</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,332</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">11,843</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">15,184</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,430</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">48,773</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 8pt;; font-family:times new roman,times" size="2">Unpaid principal balance in total impaired loans</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">11,506</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">21,590</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">15,405</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">17,928</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,904</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">73,333</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 7pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="22" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total Recorded</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">All</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investment in</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Other</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Impaired</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 40%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Average impaired loans for the period</font></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">8,659</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">12,270</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">13,838</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">16,172</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">6,499</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">57,438</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Contractual interest income due on impaired loans during the period</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">527</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,222</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,181</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,391</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">112</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Interest income on impaired loans recognized on a cash basis</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">121</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">323</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">175</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">420</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">82</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Interest income on impaired loans recognized on an accrual basis</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">257</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">102</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">201</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">&#160;</font></p> <table style="width: 100%; border-collapse: collapse; font: 8pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="22" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2011</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total Recorded</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">All</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investment in</font></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Other</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Impaired</font></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="color: black; font-size: 10pt;; font-family:times new roman,times" size="2">Impaired loans <i>with</i> a specific allowance</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 40%; color: black; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Non-accruing</font></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,110</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">13,812</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">4,091</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,093</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">20,106</font></td> <td style="width: 1%; text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Restructured accruing</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,346</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">707</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">3,475</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">5,528</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Restructured non-accruing</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">307</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">6,504</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">628</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">3,282</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">387</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">11,108</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Balance</font></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,763</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,504</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">14,440</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">8,080</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">4,955</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">36,742</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Allowance</font></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,037</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">7</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">3,380</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,772</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,595</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">7,791</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="color: black; font-size: 10pt;; font-family:times new roman,times" size="2">Impaired loans <i>without</i> a specific allowance</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Non-accruing</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">3,416</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">7,798</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,883</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">6,464</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">800</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">20,361</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Restructured accruing</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">520</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">833</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,353</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Restructured non-accruing</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,393</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">4,399</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">641</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">872</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">814</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">9,119</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Balance</font></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,329</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">12,197</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,524</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">7,336</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,447</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">30,833</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Total impaired loans</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Non-accruing</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">4,526</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">7,798</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">15,695</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">10,555</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,893</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">40,467</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Restructured accruing</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,866</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">707</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">4,308</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">6,881</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Restructured non-accruing</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,700</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">10,903</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,269</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">4,154</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,201</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">20,227</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Balance</font></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">9,092</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">18,701</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">16,964</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">15,416</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">7,402</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">67,575</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font size="2" style="font-family:times new roman,times">Unpaid principal balance in total impaired loans</font></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">11,303</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">37,442</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">17,389</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">16,466</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">82,600</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 7pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="22" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2011</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total Recorded</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">All</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investment in</font></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Other</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Impaired</font></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 40%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Average impaired loans for the period</font></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">9,800</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">27,005</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">11,409</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">13,942</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">6,221</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">68,377</font></td> <td style="width: 1%; text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Contractual interest income due on impaired loans during the period</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">583</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,743</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">830</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">800</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,017</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Interest income on impaired loans recognized on a cash basis</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">267</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">487</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">93</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">471</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">205</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">Interest income on impaired loans recognized on an accrual basis</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">114</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">45</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">166</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2"><b>Credit Quality</b></font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The following tables provide information on the credit quality of the loan portfolio by segment at December 31 for the years indicated:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 7pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black; font-size: 12pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="34" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Residential Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Owner</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Leasing</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Consumer</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Mortgage</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Construction</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Total</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Non-performing loans and assets:</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 37%; text-align: left; color: black; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Non-accrual loans and leases</font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">4,611</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">6,332</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">11,843</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">13,681</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">865</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">2,410</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">4,681</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">3,125</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">47,548</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Loans and leases 90 days past due</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">24</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">209</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">14</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">247</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Restructured loans and leases</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">4,373</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">1,503</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">31</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">4,203</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">10,110</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Total non-performing loans and leases</font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">9,008</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">6,332</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">11,843</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">15,393</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">865</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">2,455</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">8,884</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">3,125</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">57,905</font></td> <td style="text-align: left; color: black; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt; padding-left: 0.125in; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Other real estate owned</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">1,829</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">220</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">2,396</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">1,401</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">80</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">5,926</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Total non-performing assets</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">10,837</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">6,332</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">12,063</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">17,789</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">865</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">2,455</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">10,285</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">3,205</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">63,831</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> </table> <table style="width: 100%; border-collapse: collapse; font: 7pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black; font-size: 12pt;" nowrap="nowrap"> <p><font size="2" style="font-family:times new roman,times">&#160;</font></p> </td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="34" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">2011</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Residential Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Owner</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Residential</font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Commercial</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Leasing</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Consumer</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Mortgage</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Construction</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Total</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Non-performing loans and assets:</font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 37%; text-align: left; color: black; padding-left: 0.125in;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Non-accrual loans and leases</font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">7,226</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">18,702</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">16,963</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">14,709</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">853</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">1,786</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">5,722</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">5,719</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">71,680</font></td> <td style="width: 1%; text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.125in;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Loans and leases 90 days past due</font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">2</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">165</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">167</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">243</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">577</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt; padding-left: 0.125in;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Restructured loans and leases</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">1,866</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">707</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">35</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">3,579</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">694</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">6,881</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Total non-performing loans and leases</font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">9,092</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">18,702</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">16,963</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">15,416</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">855</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">1,986</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">9,468</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">6,656</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">79,138</font></td> <td style="text-align: left; color: black;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt; padding-left: 0.125in;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Other real estate owned</font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">100</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">462</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">273</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">3,395</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">201</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">4,431</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">Total non-performing assets</font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">9,192</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">18,702</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">17,425</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">15,689</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">855</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">1,986</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">12,863</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">6,857</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2">83,569</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"><font style="font-size: 7pt;; font-family:times new roman,times" size="2"></font></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 7pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="34" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Leasing</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Consumer</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Mortgage</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Construction</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; font-weight: bold; text-decoration: underline;"><font size="2" style="font-family:times new roman,times">Past due loans and leases</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 37%; color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">31-60 days</font></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,138</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,020</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,556</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">7</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">496</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">5,443</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">11,660</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">61-90 days</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">212</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,809</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">68</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">101</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,603</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,793</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">&gt; 90 days</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">24</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">209</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">14</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">247</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Total past due</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,374</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,020</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,574</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">75</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">611</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">7,046</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">15,700</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Non-accrual loans and leases</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,611</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">6,332</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">11,843</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">13,681</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">865</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,410</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,681</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,125</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">47,548</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Loans aquired with deteriorated credit quality</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,978</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">332</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">949</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,941</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">7,200</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Current loans</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">337,745</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">145,269</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">442,076</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">550,314</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,481</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">353,969</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">511,637</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">117,189</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,460,680</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt; padding-left: 0.25in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Total loans and leases</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">346,708</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">151,933</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">456,888</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">571,510</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">3,421</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">356,990</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">523,364</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">120,314</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,531,128</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 7pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="34" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2011</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Leasing</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Consumer</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Mortgage</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Construction</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; text-decoration: underline;"><font size="2" style="font-family:times new roman,times">Past due loans and leases</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 37%; color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">31-60 days</font></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,467</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">717</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">10,723</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,677</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">7</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">467</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">5,246</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,732</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 4%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">22,036</font></td> <td style="width: 1%; text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">61-90 days</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">62</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">2,537</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">20</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,639</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">4,258</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">&gt; 90 days</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">165</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">167</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">243</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">577</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Total past due</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,529</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">717</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">10,723</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">4,214</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">9</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">652</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">7,052</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,975</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">26,871</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Non-accrual loans and leases</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">7,226</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">18,702</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">16,963</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">14,709</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">853</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,786</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">5,722</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">5,719</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">71,680</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 1pt;"><font size="2" style="font-family:times new roman,times">Current loans</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">251,572</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">141,527</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">344,262</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">503,153</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">6,092</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">357,642</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">435,888</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">101,005</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,141,141</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-bottom: 2.5pt; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Total loans and leases</font></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">260,327</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">160,946</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">371,948</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">522,076</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,954</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">360,080</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">448,662</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">108,699</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,239,692</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">Loans and leases are monitored for credit quality on a recurring basis. The credit quality indicators used are dependent on the portfolio segment to which the loan relates. Commercial loans and leases and non-commercial loans and leases have different credit quality indicators as a result of the methods used to monitor each of these loan segments.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The credit quality indicators for commercial loans and leases are developed through review of individual borrowers on an ongoing basis. Each borrower is evaluated at least annually with more frequent evaluation of more severely criticized loans and leases. The indicators represent the rating for loans or leases as of the date presented based on the most recent credit review performed. These credit quality indicators are defined as follows:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2"><i>Pass </i>- A pass rated credit is not adversely classified because it does not display any of the characteristics for adverse classification.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2"><i>Special mention </i>&#8211; A special mention credit has potential weaknesses that deserve management&#8217;s close attention. If uncorrected, such weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font size="2" style="font-family:times new roman,times"><font style="color: black;"><i></i></font>&#160;</font></p> <div style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2"><i>Substandard </i>&#8211; A substandard loan is inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.</font></div> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2"><i>Doubtful </i>&#8211; A loan that is classified as doubtful has all the weaknesses inherent in a loan classified as substandard with added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2"><i>Loss </i>&#8211; Loans classified as a loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">The following tables provide information by credit risk rating indicators for each segment of the commercial loan portfolio at December 31 for the years indicated:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="18" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 50%; color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Pass</font></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">305,348</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">141,802</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">405,448</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">520,844</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,374,262</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Special Mention</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">13,603</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,793</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">21,963</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">17,262</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">54,621</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Substandard</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">26,091</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">8,338</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">28,885</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">32,613</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">95,107</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Doubtful</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,666</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">592</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">791</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">3,049</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">346,708</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">151,933</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">456,888</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">571,510</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,527,039</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="18" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2011</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> <td style="text-align: center; color: black;" colspan="2" nowrap="nowrap"></td> <td style="color: black;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 50%; color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Pass</font></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">225,048</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">137,181</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">331,095</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">469,309</font></td> <td style="width: 1%; text-align: left; color: black;"></td> <td style="width: 1%; color: black;"></td> <td style="width: 1%; text-align: left; color: black;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">1,162,633</font></td> <td style="width: 1%; text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Special Mention</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">8,551</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">2,207</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">9,592</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">22,103</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">42,453</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Substandard</font></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">25,720</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">21,558</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">31,261</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">30,664</font></td> <td style="text-align: left; color: black;"></td> <td style="color: black;"></td> <td style="text-align: left; color: black;"></td> <td style="text-align: right; color: black;"><font size="2" style="font-family:times new roman,times">109,203</font></td> <td style="text-align: left; color: black;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 1pt; padding-left: 0.125in;"><font size="2" style="font-family:times new roman,times">Doubtful</font></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,008</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> <td style="color: black; padding-bottom: 1pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,008</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="color: black; padding-bottom: 2.5pt;"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">260,327</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">160,946</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">371,948</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">522,076</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> <td style="color: black; padding-bottom: 2.5pt;"></td> <td style="text-align: left; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,315,297</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="color: black;; font-family:times new roman,times" size="2">Homogeneous loan pools do not have individual loans subjected to internal risk ratings therefore, the credit indicator applied to these pools is based on their delinquency status. The following tables provide information by credit risk rating indicators for those remaining segments of the loan portfolio at December 31 for the years indicated:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="color: black;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="18" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2012</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential Real Estate</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="color: black; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="color: black; font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Leasing</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Consumer</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Mortgage</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Construction</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 50%; color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Performing</font></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,556</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">354,535</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">514,480</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">117,189</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> <td style="width: 1%; color: black; font-weight: bold;"></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 7%; text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">988,760</font></td> <td style="width: 1%; text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-left: 0.125in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Non-performing:</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-left: 0.25in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">90 days past due</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">14</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">14</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-left: 0.25in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Non-accruing</font></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">865</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,410</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">4,681</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,125</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="color: black; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold;"></td> <td style="text-align: right; color: black; font-weight: bold;"><font size="2" style="font-family:times new roman,times">11,081</font></td> <td style="text-align: left; color: black; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; color: black; padding-bottom: 1pt; padding-left: 0.25in; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Restructured loans and leases</font></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">31</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">4,203</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">4,234</font></td> <td style="text-align: left; color: black; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">3,421</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">356,990</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">523,364</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">120,314</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; color: black; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,004,089</font></td> <td style="text-align: left; color: black; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> </table> <p style="margin: 0px;"></p> <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="18" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">2011</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="6" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential Real Estate</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Residential</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Leasing</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Consumer</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Mortgage</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Construction</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="width: 35%; padding-left: 9pt;"><font size="2" style="font-family:times new roman,times">Performing</font></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right;"><font size="2" style="font-family:times new roman,times">6,099</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right;"><font size="2" style="font-family:times new roman,times">358,094</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right;"><font size="2" style="font-family:times new roman,times">439,194</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right;"><font size="2" style="font-family:times new roman,times">102,043</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 10%; text-align: right;"><font size="2" style="font-family:times new roman,times">905,430</font></td> <td style="width: 1%; text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-left: 9pt;"><font size="2" style="font-family:times new roman,times">Non-performing:</font></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">90 days past due</font></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">2</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">165</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">167</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">243</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">577</font></td> <td style="text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Non-accruing</font></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">853</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">1,786</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">5,722</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">5,719</font></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"><font size="2" style="font-family:times new roman,times">14,080</font></td> <td style="text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in;"><font size="2" style="font-family:times new roman,times">Restructured loans and leases</font></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">35</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">3,579</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">694</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">4,308</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2.5pt;"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">6,954</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">360,080</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">448,662</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">108,699</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">924,395</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font size="2" style="font-family:times new roman,times">During the year ended December 31, 2012, the Company restructured $4.9 million in loans. Modifications consisted principally of interest rate concessions. No modifications resulted in the reduction of the recorded investment in the associated loan balances. Restructured loans are subject to periodic credit reviews to determine the necessity and adequacy of a specific loan loss allowance based on the collectability of the recorded investment in the restructured loan. Loans restructured during 2012 have specific reserves of $1.2 million at December 31, 2012. For the year ended December 31, 2011, the Company restructured $10.3 million in loans. Modifications consisted principally of interest rate concessions and no modifications resulted in the reduction of the recorded investment in the associated loan balances. Loans restructured during 2011 had specific reserves of $1.9 million thousand at December 31, 2011.</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font size="2" style="font-family:times new roman,times">The following table provides the amounts of the restructured loans at the date of restructuring for specific segments of the loan portfolio during the period indicated:</font></p> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="22" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">For the Year Ended December 31, 2012</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">All</font></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="font-style: italic; font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Other</font></td> <td style="font-weight: bold;" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="font-style: italic; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt; font-weight: bold;" nowrap="nowrap"></td> <td style="text-align: center; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Troubled debt restructurings</font></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 34%; text-align: left; padding-left: 9pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Restructured accruing</font></td> <td style="width: 1%; font-weight: bold;"></td> <td style="width: 1%; text-align: left; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right; font-weight: bold;"><font size="2" style="font-family:times new roman,times">2,600</font></td> <td style="width: 1%; text-align: left; font-weight: bold;"></td> <td style="width: 1%; font-weight: bold;"></td> <td style="width: 1%; text-align: left; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; font-weight: bold;"></td> <td style="width: 1%; font-weight: bold;"></td> <td style="width: 1%; text-align: left; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; font-weight: bold;"></td> <td style="width: 1%; font-weight: bold;"></td> <td style="width: 1%; text-align: left; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right; font-weight: bold;"><font size="2" style="font-family:times new roman,times">1,014</font></td> <td style="width: 1%; text-align: left; font-weight: bold;"></td> <td style="width: 1%; font-weight: bold;"></td> <td style="width: 1%; text-align: left; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right; font-weight: bold;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left; font-weight: bold;"></td> <td style="width: 1%; font-weight: bold;"></td> <td style="width: 1%; text-align: left; font-weight: bold;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right; font-weight: bold;"><font size="2" style="font-family:times new roman,times">3,614</font></td> <td style="width: 1%; text-align: left; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="padding-bottom: 1pt; padding-left: 9pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Restructured non-accruing</font></td> <td style="padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 1pt; font-weight: bold;"></td> <td style="padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 1pt; font-weight: bold;"></td> <td style="padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 1pt; font-weight: bold;"></td> <td style="padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 1pt; font-weight: bold;"></td> <td style="padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,304</font></td> <td style="text-align: left; padding-bottom: 1pt; font-weight: bold;"></td> <td style="padding-bottom: 1pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,304</font></td> <td style="text-align: left; padding-bottom: 1pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2.5pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Balance</font></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,600</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,014</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,304</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">4,918</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Specific allowance</font></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">552</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">204</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">467</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,223</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> <td style="text-align: right; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"><font size="2" style="font-family:times new roman,times">Restructured and subsequently defaulted</font></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="padding-bottom: 2.5pt; font-weight: bold;"></td> <td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt; font-weight: bold;"></td> </tr> </table> <p style="font: 10pt/normal times new roman, times, serif; margin: 0pt 0px; font-size-adjust: none; font-stretch: normal;"></p> <table style="width: 100%; border-collapse: collapse; font: 10pt times new roman, times, serif; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="22" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">For the Year Ended December 31, 2011</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="10" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial Real Estate</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td colspan="2" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">All</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Owner</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Other</font></td> <td nowrap="nowrap"></td> <td nowrap="nowrap"></td> <td style="text-align: center;" colspan="2" nowrap="nowrap"></td> <td nowrap="nowrap"></td> </tr> <tr style="vertical-align: bottom;"> <td style="font-style: italic; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">(In thousands)</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Commercial</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">AD&amp;C</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Investor R/E</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Occupied R/E</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Loans</font></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="padding-bottom: 1pt;" nowrap="nowrap"></td> <td style="text-align: center; padding-bottom: 1pt;" colspan="2" nowrap="nowrap"><font size="2" style="font-family:times new roman,times">Total</font></td> <td style="padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="text-align: left;"><font size="2" style="font-family:times new roman,times">Troubled debt restructurings</font></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="width: 34%; text-align: left; padding-left: 9pt;"><font size="2" style="font-family:times new roman,times">Restructured accruing</font></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right;"><font size="2" style="font-family:times new roman,times">1,696</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right;"><font size="2" style="font-family:times new roman,times">3,590</font></td> <td style="width: 1%; text-align: left;"></td> <td style="width: 1%;"></td> <td style="width: 1%; text-align: left;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="width: 8%; text-align: right;"><font size="2" style="font-family:times new roman,times">5,286</font></td> <td style="width: 1%; text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td style="padding-bottom: 1pt; padding-left: 9pt;"><font size="2" style="font-family:times new roman,times">Restructured non-accruing</font></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">469</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">1,269</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">2,475</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">763</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> <td style="padding-bottom: 1pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 1pt; border-bottom-style: solid;"><font size="2" style="font-family:times new roman,times">4,976</font></td> <td style="text-align: left; padding-bottom: 1pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="padding-bottom: 2.5pt;"><font size="2" style="font-family:times new roman,times">Balance</font></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,165</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,269</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">2,475</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">4,353</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">10,262</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-bottom: 2.5pt;"><font size="2" style="font-family:times new roman,times">Specific allowance</font></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">254</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">93</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">509</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,027</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">1,883</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> </tr> <tr style="vertical-align: bottom; background-color: #ccffcc;"> <td></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> <td></td> <td style="text-align: left;"></td> <td style="text-align: right;"></td> <td style="text-align: left;"></td> </tr> <tr style="vertical-align: bottom; background-color: white;"> <td style="text-align: left; padding-bottom: 2.5pt;"><font size="2" style="font-family:times new roman,times">Restructured and subsequently defaulted</font></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">$</font></td> <td style="text-align: right; border-bottom-color: black; border-bottom-width: 2.5pt; border-bottom-style: double;"><font size="2" style="font-family:times new roman,times">-</font></td> <td style="text-align: left; padding-bottom: 2.5pt;"></td> <td style="padding-bottom: 2.5pt;"></td> <td style="text-align: left; 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Consolidation has resulted in the elimination of all significant intercompany accounts and transactions.</p> <p style="text-align: justify; margin: 0pt 0px; font: bold 10pt times new roman, times, serif;">Use of Estimates</p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;">The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, and affect the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for loan and lease losses and the related allowance, determination of impaired loans and the related measurement of impairment, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether impaired securities are other-than-temporarily impaired, valuation of other real estate owned, prepayment rates, valuation of share-based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, the calculation of current and deferred income taxes and the actuarial projections related to pension expense and the related liability.</p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;"><b>Assets Under Management</b></p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;">Assets held for others under fiduciary and agency relationships are not assets of the Company or its subsidiaries and are not included in the accompanying balance sheets. 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The Company measures residential mortgage loans at fair value when the Company first recognizes the loan (i.e., the fair value option), as permitted by current accounting standards. Changes in fair value of these loans are recorded in earnings as a component of mortgage banking activities in non-interest income in the Consolidated Statements of Income. The Company's current practice is to sell such loans on a servicing released basis.</p> <p style="text-align: justify; margin: 0pt 0px; font: bold 10pt times new roman, times, serif;">Investments Held-to-Maturity</p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;"><font style="font-weight: normal;">Investments held-to-maturity represents securities which the Company has the ability and positive intent to hold until maturity. These securities are recorded at cost at the time of acquisition. 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Factors that may affect the determination of whether other-than-temporary impairment (&#8220;OTTI&#8221;) has occurred include a downgrading of the security below investment grade by the rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, or that management would not have the ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.</font></p> <p style="text-align: justify; margin: 0pt 0px; font: bold 10pt times new roman, times, serif;">Investments Available-for-Sale</p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;">Marketable equity securities and debt securities not classified as held-to-maturity or trading are classified as securities available-for-sale. 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The majority of the Company&#8217;s impaired loans are considered to be collateral dependent and impairment is measured by determining the fair value of the collateral using third party appraisals conducted at least annually with underlying assumptions that are reviewed by management. Third party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish a specific allowance on a loan. In these instances the specific allowance is adjusted to reflect the Company&#8217;s evaluation of the appraised fair value. 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The Company typically relies on current (12 months old or less) third party appraisals of the collateral to assist in measuring impairment. In the cases in which the Company does not rely on a third party appraisal, an internal evaluation is prepared by an approved credit officer. A current appraisal on large loans is usually obtained if the appraisal on file is more than 12 months old and there has been a material change in market conditions, zoning, physical use or the adequacy of the collateral based on an internal evaluation. The Company&#8217;s policy is to strictly adhere to regulatory appraisal standards. If an appraisal is ordered, no more than a 30 day turnaround is requested from the appraiser, who is selected by Credit Administration from an approved appraiser list. After receipt of the updated appraisal, the assigned credit officer will recommend to the Chief Credit Officer whether a specific allowance or a charge-off should be taken. When losses are confirmed, a charge-off is taken that is at least in the amount of the collateral deficiency as determined by the independent third party appraisal. Any further collateral deterioration results in either further specific reserves being established or additional charge-offs. The Chief Credit Officer has the authority to approve a specific allowance or charge-off between monthly credit committee meetings to ensure that there are no significant time lapses during this process.</p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;">&#160;</p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;">The portion of the allowance representing specific allowances is established on individually impaired loans. As a practical expedient, for collateral dependent loans, the Company measures impairment based on the net realizable value of the underlying collateral. 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However, the determination of the allowance requires significant judgment, and estimates of probable losses in the loan and lease portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize inherent losses, future additions to the allowance may be necessary based on changes in the loans and leases comprising the portfolio and changes in the financial condition of borrowers, such as may result from changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, and independent consultants engaged by the Company, periodically review the loan and lease portfolio and the allowance. 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If the fair values of the reporting units exceed their book values, no write-down of recorded goodwill is required. If the fair value of a reporting unit is less than book value, an expense may be required to write-down the related goodwill to the proper carrying value. Any impairment would be realized through a reduction of goodwill or the intangible and an offsetting charge to non-interest expense. The Company tests for impairment of goodwill as of October 1 of each year using September 30 data, and again at any quarter-end if any triggering events occur during a quarter that may affect goodwill. Examples of such events include, but are not limited to, adverse action by a regulator or a loss of key personnel. 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Deposits (Detail) link:presentationLink link:definitionLink link:calculationLink 095 - Disclosure - Maturity Schedule for Time Deposits (Detail) link:presentationLink link:definitionLink link:calculationLink 096 - Disclosure - Months to Maturities Of Time Deposits (Detail) link:presentationLink link:definitionLink link:calculationLink 097 - Disclosure - Borrowings - Additional Information (Detail) link:presentationLink link:definitionLink link:calculationLink 098 - Disclosure - Retail Repurchase Agreements And Other Short Term Borrowings (Detail) link:presentationLink link:definitionLink link:calculationLink 099 - Disclosure - Advances from FHLB and Respective Maturity Schedule (Detail) link:presentationLink link:definitionLink link:calculationLink 100 - Disclosure - Subordinated Debentures - Additional Information (Detail) link:presentationLink link:definitionLink link:calculationLink 101 - Disclosure - Stockholders' Equity - Additional Information (Detail) link:presentationLink link:definitionLink link:calculationLink 102 - Disclosure - Share Based Compensation - Additional Information (Detail) link:presentationLink link:definitionLink link:calculationLink 103 - Disclosure - Fair Values of all Options Granted Estimated Using Binomial Option-Pricing Model with Weighted-average Assumptions (Detail) link:presentationLink link:definitionLink link:calculationLink 104 - Disclosure - Summary of Share Option Activity (Detail) link:presentationLink link:definitionLink link:calculationLink 105 - Disclosure - Summary of Activity for Company's Non-vested Options (Detail) link:presentationLink link:definitionLink link:calculationLink 106 - Disclosure - Summary of Activity for Company's Restricted Stock (Detail) link:presentationLink link:definitionLink link:calculationLink 107 - Disclosure - Pension, Profit Sharing, and Other Employee Benefit Plans - Additional Information (Detail) link:presentationLink link:definitionLink link:calculationLink 108 - Disclosure - Plan's funded status (Detail) link:presentationLink link:definitionLink link:calculationLink 109 - Disclosure - Weighted average assumptions used to determine benefit obligations (Detail) link:presentationLink link:definitionLink link:calculationLink 110 - Disclosure - Net Periodic Benefit Cost (Detail) link:presentationLink link:definitionLink link:calculationLink 111 - Disclosure - Weighted average assumptions used to determine net periodic benefit cost (Detail) link:presentationLink link:definitionLink link:calculationLink 112 - Disclosure - Components of net unrecognized benefits costs (Detail) link:presentationLink link:definitionLink link:calculationLink 113 - Disclosure - Component of net periodic benefit (Detail) link:presentationLink link:definitionLink link:calculationLink 114 - Disclosure - Company's pension plan weighted average (Detail) link:presentationLink link:definitionLink link:calculationLink 115 - Disclosure - Fair values of Company's pension plan assets (Detail) link:presentationLink link:definitionLink link:calculationLink 116 - Disclosure - Benefit payments, which reflect expected future service (Detail) link:presentationLink link:definitionLink link:calculationLink 117 - Disclosure - Selected Components of Other Non-Interest Income And Other Non-Interest Expense (Detail) link:presentationLink link:definitionLink link:calculationLink 118 - Disclosure - Components of income tax expense (benefit) (Detail) link:presentationLink link:definitionLink link:calculationLink 119 - Disclosure - Deferred Tax Asets And Liabilities (Detail) link:presentationLink link:definitionLink link:calculationLink 120 - Disclosure - Reconcilements Between Statutory Federal Income Tax Rate And Effective Tax Rate (Detail) link:presentationLink link:definitionLink link:calculationLink 121 - Disclosure - Calculation of net income per common share (Detail) link:presentationLink link:definitionLink link:calculationLink 122 - Disclosure - Net Accumulated Other Comprehensive Income (Loss) (Detail) link:presentationLink link:definitionLink link:calculationLink 085 - Disclosure - Summary of Changes In Amounts Of Loans Outstanding (Detail) link:presentationLink link:definitionLink link:calculationLink 123 - Disclosure - Summary Of Financial Instruments With Off-Balance Sheet Credit Risk (Detail) link:presentationLink link:definitionLink link:calculationLink 124 - Disclosure - Company's Interest Rate Swaps (Detail) link:presentationLink link:definitionLink link:calculationLink 125 - Disclosure - Fair Value - Additional Information (Detail) link:presentationLink link:definitionLink link:calculationLink 126 - Disclosure - Financial Assets and Liabilities at Dates Indicated that Were Accounted for or Disclosed at Fair Value (Detail) link:presentationLink link:definitionLink link:calculationLink 127 - Disclosure - Unrealized Losses Included in Assets Measured in Condensed Consolidated Statements of Condition at Fair Value on Recurring Basis (Detail) link:presentationLink link:definitionLink link:calculationLink 128 - Disclosure - Assets Measured at Fair Value on Nonrecurring Basis (Detail) link:presentationLink link:definitionLink link:calculationLink 129 - Disclosure - Carrying Amounts And Fair Values of Company's Financial Instruments (Detail) link:presentationLink link:definitionLink link:calculationLink 130 - Disclosure - Statements of Condition (Detail) link:presentationLink link:definitionLink link:calculationLink 131 - Disclosure - Statements of Income/(Loss) (Detail) link:presentationLink link:definitionLink link:calculationLink 132 - Disclosure - Statements of Cash Flows (Detail) link:presentationLink link:definitionLink link:calculationLink 133 - Disclosure - Company's and Bank's actual capital amounts and ratios (Detail) link:presentationLink link:definitionLink link:calculationLink 134 - Disclosure - Segment Reporting - Additional Information (Detail) link:presentationLink link:definitionLink link:calculationLink 135 - Disclosure - Operating Segments and Reconciliation of Information to Condensed Consolidated Financial Statements (Detail) link:presentationLink link:definitionLink link:calculationLink 136 - Disclosure - Quarterly Financial Results (Unaudited) (Detail) link:presentationLink link:definitionLink link:calculationLink EX-101.CAL 12 sasr-20121231_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE EX-101.DEF 13 sasr-20121231_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 14 sasr-20121231_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE EX-101.PRE 15 sasr-20121231_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 16 R39.htm IDEA: XBRL DOCUMENT v2.4.0.6
PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2012
Property, Plant and Equipment [Abstract]  
Components of premises and equipment

Presented in the following table are the components of premises and equipment at December 31:

 

(In thousands)   2012     2011  
Land   $ 9,954     $ 9,954  
Buildings and leasehold improvements     61,456       60,944  
Equipment     38,510       39,682  
Total premises and equipment     109,920       110,580  
Less: accumulated depreciation and amortization     (61,594 )     (62,097 )
Net premises and equipment   $ 48,326     $ 48,483  
Future minimum lease payments for all non-cancelable operating leases

Future minimum lease payments, including any additional rents due to escalation clauses, for all non-cancelable operating leases within the years ending December 31 are presented in the table below:

 

    Operating  
(In thousands)   Leases  
2013   $ 6,024  
2014     5,692  
2015     3,975  
2016     3,003  
2017     2,013  
Thereafter     4,629  
Total minimum lease payments   $ 25,336
XML 17 R112.htm IDEA: XBRL DOCUMENT v2.4.0.6
Components of net unrecognized benefits costs (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Schedule Of Net Unrecognized Benefits Costs Of Accumulated Other Comprehensive Income [Line Items]      
Included in accumulated other comprehensive income (loss) Balance $ 11,239 $ 10,618 $ 10,806
Additions during the year (649) 443 968
Reclassifications due to recognition as net periodic pension cost (1,194) (1,159) (1,156)
Increase related to change in discount rate assumption 5,483 1,337  
Included in accumulated other comprehensive income (loss) Balance 14,879 11,239 10,618
Applicable tax effect (5,933)    
Included in accumulated other comprehensive income (loss) net of tax effect at December 31, 2012 8,946    
Amount expected to be recognized as part of net periodic pension cost in the next fiscal year $ 1,350    
XML 18 R54.htm IDEA: XBRL DOCUMENT v2.4.0.6
QUARTERLY FINANCIAL RESULTS (UNAUDITED) (Tables)
 12 Months Ended
Dec. 31, 2012
Quarterly Financial Information Disclosure [Abstract]  
Summary Of Selected Consolidated Quarterly Financial Data

A summary of selected consolidated quarterly financial data for the years ended December 31 is provided in the following tables:

 

    2012  
    First     Second     Third     Fourth  
(In thousands, except per share data)   Quarter     Quarter     Quarter     Quarter  
Interest income   $ 34,615     $ 35,558     $ 37,495     $ 36,202  
Interest expense     5,910       5,749       5,710       5,282  
Net interest income     28,705       29,809       31,785       30,920  
Provision (credit) for loan and lease losses     664       1,585       232       1,168  
Noninterest income     10,974       11,493       12,242       12,247  
Noninterest expense     26,683       28,858       27,167       27,219  
Income before income taxes     12,332       10,859       16,628       14,780  
Income tax expense     3,856       3,652       5,638       4,899  
Net income   $ 8,476     $ 7,207     $ 10,990     $ 9,881  
                                 
Basic net income per share   $ 0.35     $ 0.30     $ 0.44     $ 0.40  
Diluted net income per share   $ 0.35     $ 0.30     $ 0.44     $ 0.40  

 

    2011  
    First     Second     Third     Fourth  
(In thousands, except per share data)   Quarter     Quarter     Quarter     Quarter  
Interest income   $ 34,750     $ 35,008     $ 35,004     $ 34,708  
Interest expense     6,740       6,854       6,674       6,256  
Net interest income     28,010       28,154       28,330       28,452  
Provision (credit) for loan and lease losses     1,515       1,151       (3,520 )     2,282  
Noninterest income     9,992       10,802       11,336       11,370  
Noninterest expense     26,062       25,838       25,848       27,323  
Income before income taxes     10,425       11,967       17,338       10,217  
Income tax expense     3,134       3,671       6,081       2,959  
Net income   $ 7,291     $ 8,296     $ 11,257     $ 7,258  
                                 
Basic net income per share   $ 0.30     $ 0.34     $ 0.47     $ 0.30  
Diluted net income per share   $ 0.30     $ 0.34     $ 0.47     $ 0.30
XML 19 R48.htm IDEA: XBRL DOCUMENT v2.4.0.6
OTHER COMPREHENSIVE INCOME (LOSS) (Tables)
 12 Months Ended
Dec. 31, 2012
Other Comprehensive Income Loss [Abstract]  
Net Accumulated Other Comprehensive Income (Loss)

The following table presents the activity in net accumulated other comprehensive income (loss) for the periods indicated:

 

(In thousands)   Unrealized Gains
(Losses) on
Investments
Available-for-Sale		     Defined Benefit
Pension Plan		     Total  
Balance at January 1, 2010   $ 3,845     $ (6,497 )   $ (2,652 )
Period change, net of tax     (81 )     113       32  
Balance at December 31, 2010     3,764       (6,384 )     (2,620 )
Period change, net of tax     16,242       (374 )     15,868  
Balance at December 31, 2011     20,006       (6,758 )     13,248  
Period change, net of tax     252       (2,188 )     (1,936 )
Balance at December 31, 2012   $ 20,258     $ (8,946 )   $ 11,312
XML 20 R121.htm IDEA: XBRL DOCUMENT v2.4.0.6
Calculation of net income per common share (Detail) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Schedule of Earnings Per Share, Basic and Diluted, by Common Class [Line Items]      
Net income $ 36,554 $ 34,102 $ 23,520
Less: Dividends - preferred stock 0 0 6,149
Net income available to common stockholders $ 36,554 $ 34,102 $ 17,371
Basic:      
Basic weighted average EPS shares 24,573 24,083 22,339
Basic net income per share $ 1.49 $ 1.42 $ 1.05
Basic net income per common share $ 1.49 $ 1.42 $ 0.78
Diluted:      
Basic weighted average EPS shares 24,573 24,083 22,339
Dilutive common stock equivalents 84 66 41
Dilutive EPS shares 24,657 24,149 22,380
Diluted net income per share $ 1.48 $ 1.41 $ 1.05
Diluted net income per common share $ 1.48 $ 1.41 $ 0.78
Anti-dilutive shares 421 621 776
XML 21 R70.htm IDEA: XBRL DOCUMENT v2.4.0.6
Gross Realized Gains and Losses on All Investments (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Realized Gain Loss [Line Items]      
Gross realized gains from sales of investments available-for-sale $ 56 $ 0 $ 1,001
Gross realized losses from sales of investments available-for-sale 0 0 (371)
Net gains or (losses) from calls of investments available-for-sale 294 205 99
Net gains or (losses) from calls of investments held-to-maturity 109 87 67
Net securities gains $ 459 $ 292 $ 796
XML 22 R124.htm IDEA: XBRL DOCUMENT v2.4.0.6
Company's Interest Rate Swaps (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Pay Fixed Or Receive Variable Swaps
    
Derivative [Line Items]    
Notional Amount $ 17,949,000 $ 27,127,000
Estimate Fair Value (1,280,000) (1,529,000)
Years to Maturity 2 years 8 months 12 days 3 years
Receive Rate 2.44% 2.65%
Pay Rate 5.41% 4.66%
Pay Variable Or Receive Fixed Swaps
    
Derivative [Line Items]    
Notional Amount 17,949,000 27,127,000
Estimate Fair Value 1,280,000 1,529,000
Years to Maturity 2 years 8 months 12 days 3 years
Receive Rate 5.41% 4.66%
Pay Rate 2.44% 2.65%
Swap
    
Derivative [Line Items]    
Notional Amount 35,898,000 54,254,000
Estimate Fair Value $ 0 $ 0
Years to Maturity 2 years 8 months 12 days 3 years
Receive Rate 3.92% 3.66%
Pay Rate 3.92% 3.66%
XML 23 R55.htm IDEA: XBRL DOCUMENT v2.4.0.6
Significant Accounting Policies - Additional Information (Detail)
 12 Months Ended
Dec. 31, 2012
Property, Plant and Equipment [Line Items]  
Finite-Lived Intangible Asset, Useful Life 15 years
Furniture and Fixtures | Maximum
  
Property, Plant and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 10 years
Furniture and Fixtures | Minimum
  
Property, Plant and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 3 years
Computer Equipment | Maximum
  
Property, Plant and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 5 years
Computer Equipment | Minimum
  
Property, Plant and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 3 years
Building and Building Improvements | Maximum
  
Property, Plant and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 40 years
Building and Building Improvements | Minimum
  
Property, Plant and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 10 years
XML 24 R78.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Impaired Loans (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Financing Receivable, Impaired [Line Items]      
Impaired loans with a valuation allowance $ 27,526 $ 36,742 $ 18,946
Impaired loans without a valuation allowance 21,247 30,833 50,668
Total impaired loans 48,773 67,575 69,614
Allowance for loan and lease losses related to impaired loans 5,149 7,791 3,845
Allowance for loan and lease losses related to loans collectively evaluated 37,808 41,635 58,290
Total allowance for loan and lease losses 42,957 49,426 62,135
Average impaired loans for the period 57,438 68,377 75,556
Contractual interest income due on impaired loans during the period 4,433 4,973 6,651
Interest income on impaired loans recognized on a cash basis 1,121 1,523 0
Interest income on impaired loans recognized on an accrual basis $ 560 $ 325 $ 524
XML 25 R104.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Share Option Activity (Detail) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Number of Common Shares      
Beginning Balance 635,197    
Granted 20,633    
Exercised (3,906) 2,037 30,498
Forfeited or expired (211,471)    
Ending Balance 440,453 635,197  
Exercisable at December 31, 2012 386,037    
Weighted Average Exercise Share Price      
Beginning Balance $ 31.42    
Granted $ 19.02    
Exercised $ 13.00    
Forfeited or expired $ 35.24    
Balance at December 31, 2012 $ 29.17 $ 31.42  
Exercisable at December 31, 2012 $ 30.73    
Weighted average fair value of options granted during the year $ 7.85 $ 7.76 $ 6.65
Weighted Average Contractual Remaining Life(Years)      
Balance at end of period 2 years 6 months    
Exercisable at end of period 2 years 1 month 6 days    
Aggregate Intrinsic Value      
Balance at January 1, 2012 $ 406    
Granted 8    
Exercised 23    
Forfeited or expired 33    
Balance at December 31, 2012 557 406  
Exercisable at December 31, 2012 $ 484    
XML 26 R46.htm IDEA: XBRL DOCUMENT v2.4.0.6
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2012
Income Tax Disclosure [Abstract]  
Components of income tax expense (benefit)

The following table provides the components of income tax expense (benefit) for the years ended December 31:

 

(In thousands)   2012     2011     2010  
Current income taxes (benefits):                        
Federal   $ 11,199     $ 6,840     $ 8,106  
State     2,913       2,327       1,423  
Total current     14,112       9,167       9,529  
Deferred income taxes (benefits):                        
Federal     3,116       5,640       (469 )
State     817       1,038       (11 )
Total deferred     3,933       6,678       (480 )
Total income tax expense (benefit)   $ 18,045     $ 15,845     $ 9,049
Deferred tax assets and liabilities
Deferred tax assets and liabilities, shown as the sum of the appropriate tax effect for each significant type of temporary difference, are presented in the following table at December 31 for the years indicated:

 

(In thousands)   2012     2011  
Deferred Tax Assets:                
Allowance for loan and lease losses   $ 17,132     $ 19,714  
Employee benefits     1,505       1,454  
Pension plan OCI     5,933       4,482  
Deferred loan fees and costs     579       681  
Non-qualified stock option expense     376       413  
Losses on other real estate owned     756       313  
Other than temporary impairment     323       269  
Loan and deposit premium/discount     2,267       159  
Depreciation     -       -  
Reserve for recourse loans     199       120  
Loss carryforward     88          
Other     145       111  
Gross deferred tax assets     29,304       27,716  
Valuation allowance     (88 )     -  
Net deferred tax assets     29,216       27,716  
                 
Deferred Tax Liabilities:                
Unrealized gains on investments available for sale     (13,436 )     (13,270 )
Pension plan costs     (2,644 )     (3,267 )
Depreciation     (704 )     (900 )
Intangible assets     (568 )     (286 )
Bond accretion     (109 )     (167 )
Other     (16 )     (16 )
Gross deferred tax liabilities     (17,477 )     (17,906 )
Net deferred tax asset   $ 11,739     $ 9,810  

 
Reconcilements Between Statutory Federal Income Tax Rate And Effective Tax Rate

The reconcilements between the statutory federal income tax rate and the effective rate for the years ended December 31 are presented in the following table:

 

(Dollars in thousands)   2012     2011     2010  
          Percentage of           Percentage of           Percentage of  
          Pre-Tax           Pre-Tax           Pre-Tax  
    Amount     Income     Amount     Income     Amount     Income  
Income tax expense at federal statutory rate   $ 19,110       35.0 %   $ 17,481       35.0 %   $ 11,399       35.0 %
Increase (decrease) resulting from:                                                
Tax exempt income, net     (2,927 )     (5.4 )     (2,945 )     (5.9 )     (2,411 )     (7.4 )
Bank-owned life insurance     (916 )     (1.7 )     (923 )     (1.9 )     (980 )     (3.0 )
State income taxes, net of federal income tax benefits     2,424       4.4       2,187       4.4       906       2.8  
Other, net     354       0.7       45       0.1       135       0.4  
Total income tax expense (benefit) and rate   $ 18,045       33.0 %   $ 15,845       31.7 %   $ 9,049       27.8 %
XML 27 R33.htm IDEA: XBRL DOCUMENT v2.4.0.6
QUARTERLY FINANCIAL RESULTS (UNAUDITED)
 12 Months Ended
Dec. 31, 2012
Quarterly Financial Information Disclosure [Abstract]  
Quarterly Financial Results

Note 25 – Quarterly Financial Results (unaudited)

A summary of selected consolidated quarterly financial data for the years ended December 31 is provided in the following tables:

 

    2012  
    First     Second     Third     Fourth  
(In thousands, except per share data)   Quarter     Quarter     Quarter     Quarter  
Interest income   $ 34,615     $ 35,558     $ 37,495     $ 36,202  
Interest expense     5,910       5,749       5,710       5,282  
Net interest income     28,705       29,809       31,785       30,920  
Provision (credit) for loan and lease losses     664       1,585       232       1,168  
Noninterest income     10,974       11,493       12,242       12,247  
Noninterest expense     26,683       28,858       27,167       27,219  
Income before income taxes     12,332       10,859       16,628       14,780  
Income tax expense     3,856       3,652       5,638       4,899  
Net income   $ 8,476     $ 7,207     $ 10,990     $ 9,881  
                                 
Basic net income per share   $ 0.35     $ 0.30     $ 0.44     $ 0.40  
Diluted net income per share   $ 0.35     $ 0.30     $ 0.44     $ 0.40  

 

    2011  
    First     Second     Third     Fourth  
(In thousands, except per share data)   Quarter     Quarter     Quarter     Quarter  
Interest income   $ 34,750     $ 35,008     $ 35,004     $ 34,708  
Interest expense     6,740       6,854       6,674       6,256  
Net interest income     28,010       28,154       28,330       28,452  
Provision (credit) for loan and lease losses     1,515       1,151       (3,520 )     2,282  
Noninterest income     9,992       10,802       11,336       11,370  
Noninterest expense     26,062       25,838       25,848       27,323  
Income before income taxes     10,425       11,967       17,338       10,217  
Income tax expense     3,134       3,671       6,081       2,959  
Net income   $ 7,291     $ 8,296     $ 11,257     $ 7,258  
                                 
Basic net income per share   $ 0.30     $ 0.34     $ 0.47     $ 0.30  
Diluted net income per share   $ 0.30     $ 0.34     $ 0.47     $ 0.30
XML 28 R79.htm IDEA: XBRL DOCUMENT v2.4.0.6
Credit Quality of Loan Portfolio by Segment (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases $ 47,548 $ 71,680
Loans and leases 90 days past due 247 577
Restructured loans and leases 10,110 6,881
Total non-performing loans and leases 57,905 79,138
Other real estate owned 5,926 4,431
Total non-performing assets 63,831 83,569
Commercial Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 4,611 7,226
Loans and leases 90 days past due 24 0
Restructured loans and leases 4,373 1,866
Total non-performing loans and leases 9,008 9,092
Other real estate owned 1,829 100
Total non-performing assets 10,837 9,192
Leases
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 865 853
Loans and leases 90 days past due 0 2
Restructured loans and leases 0 0
Total non-performing loans and leases 865 855
Other real estate owned 0 0
Total non-performing assets 865 855
Consumer Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 2,410 1,786
Loans and leases 90 days past due 14 165
Restructured loans and leases 31 35
Total non-performing loans and leases 2,455 1,986
Other real estate owned 0 0
Total non-performing assets 2,455 1,986
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 6,332 18,702
Loans and leases 90 days past due 0 0
Restructured loans and leases 0 0
Total non-performing loans and leases 6,332 18,702
Other real estate owned 0 0
Total non-performing assets 6,332 18,702
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 11,843 16,963
Loans and leases 90 days past due 0 0
Restructured loans and leases 0 0
Total non-performing loans and leases 11,843 16,963
Other real estate owned 220 462
Total non-performing assets 12,063 17,425
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 13,681 14,709
Loans and leases 90 days past due 209 0
Restructured loans and leases 1,503 707
Total non-performing loans and leases 15,393 15,416
Other real estate owned 2,396 273
Total non-performing assets 17,789 15,689
Residential Real Estate Portfolio Segment | Residential Mortgage
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 4,681 5,722
Loans and leases 90 days past due 0 167
Restructured loans and leases 4,203 3,579
Total non-performing loans and leases 8,884 9,468
Other real estate owned 1,401 3,395
Total non-performing assets 10,285 12,863
Residential Real Estate Portfolio Segment | Residential Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Non-accrual loans and leases 3,125 5,719
Loans and leases 90 days past due 0 243
Restructured loans and leases 0 694
Total non-performing loans and leases 3,125 6,656
Other real estate owned 80 201
Total non-performing assets $ 3,205 $ 6,857
XML 29 R118.htm IDEA: XBRL DOCUMENT v2.4.0.6
Components of income tax expense (benefit) (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Disclosure Of Components Of Income Tax Expense Benefit [Line Items]      
Federal $ 11,199 $ 6,840 $ 8,106
State 2,913 2,327 1,423
Total current 14,112 9,167 9,529
Federal 3,116 5,640 (469)
State 817 1,038 (11)
Total deferred 3,933 6,678 (480)
Total income tax expense (benefit) $ 18,045 $ 15,845 $ 9,049
XML 30 R127.htm IDEA: XBRL DOCUMENT v2.4.0.6
Unrealized Losses Included in Assets Measured in Condensed Consolidated Statements of Condition at Fair Value on Recurring Basis (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]      
Total OTTI included in earnings $ 109 $ 160 $ 512
Total unrealized losses included in other comprehensive income (loss) 531 422 262
Available-for-Sale Securities | Fair Value, Inputs, Level 3
      
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]      
Balance at December 31, 2010 2,467    
Total OTTI included in earnings (109)    
Principal redemption (1,134)    
Total unrealized losses included in other comprehensive income (loss) 241    
Balance at December 31, 2011 $ 1,465    
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Company's and Bank's actual capital amounts and ratios (Detail) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Capital to risk-weighted assets Company
    
Actual Amount $ 456,791,000 $ 419,780,000
Actual Amount 419,639,000 386,423,000
Actual Amount 419,639,000 386,423,000
Actual Ratio 15.40% 15.83%
Actual Ratio 14.15% 14.57%
Actual Ratio 10.98% 10.84%
For Capital Adequacy Purposes Amount 237,308,000 212,199,000
For Capital Adequacy Purposes Amount 118,654,000 106,099,000
For Capital Adequacy Purposes Amount 114,628,000 106,976,000
For Capital Adequacy Purposes Ratio 8.00% 8.00%
For Capital Adequacy Purposes Ratio 4.00% 4.00%
For Capital Adequacy Purposes Ratio 3.00% 3.00%
To Be Well Capitalized Under Capitalized Under Action Provisions Amount 0 0
To Be Well Capitalized Under Capitalized Under Action Provisions Amount 0 0
To Be Well Capitalized Under Capitalized Under Action Provisions Amount 0 0
To Be Well Capitalized Under Capitalized Under Action Provisions Ratio 0.00% 0.00%
To Be Well Capitalized Under Capitalized Under Action Provisions Ratio 0.00% 0.00%
To Be Well Capitalized Under Capitalized Under Action Provisions Ratio 0.00% 0.00%
Sandy Spring Bank
    
Actual Amount 445,097,000 397,526,000
Actual Amount 372,983,000 329,197,000
Actual Amount 372,983,000 329,197,000
Actual Ratio 15.02% 15.00%
Actual Ratio 12.59% 12.42%
Actual Ratio 9.77% 9.24%
For Capital Adequacy Purposes Amount 237,066,000 212,016,000
For Capital Adequacy Purposes Amount 118,533,000 106,008,000
For Capital Adequacy Purposes Amount 114,553,000 106,920,000
For Capital Adequacy Purposes Ratio 8.00% 8.00%
For Capital Adequacy Purposes Ratio 4.00% 4.00%
For Capital Adequacy Purposes Ratio 3.00% 3.00%
To Be Well Capitalized Under Capitalized Under Action Provisions Amount 296,332,000 265,021,000
To Be Well Capitalized Under Capitalized Under Action Provisions Amount 177,799,000 159,012,000
To Be Well Capitalized Under Capitalized Under Action Provisions Amount $ 190,922,000 $ 178,200,000
To Be Well Capitalized Under Capitalized Under Action Provisions Ratio 10.00% 10.00%
To Be Well Capitalized Under Capitalized Under Action Provisions Ratio 6.00% 6.00%
To Be Well Capitalized Under Capitalized Under Action Provisions Ratio 5.00% 5.00%
XML 33 R73.htm IDEA: XBRL DOCUMENT v2.4.0.6
Credit Quality Assessment - Additional Information (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Specific allowance $ 5,149,000 $ 7,791,000
Non-accrual loans and leases 47,548,000 71,680,000
Restructured accruing 3,614,000 5,286,000
Restructured non-accruing 1,304,000 4,976,000
Restructured Accuring Loan 4,900,000 10,300,000
Restructured Loans
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Specific allowance 1,200,000 1,900,000
Other real estate owned 5,900,000 4,400,000
Restructured accruing 10,100,000 6,900,000
Restructured non-accruing 9,900,000 20,200,000
Financing Receivable Troubled Debt Restructurings Restructured Total 20,000,000 27,100,000
Additional Financing Receivable Troubled Debt Restructurings Restructured $ 5,100,000 $ 2,600,000
XML 34 R89.htm IDEA: XBRL DOCUMENT v2.4.0.6
Goodwill And Other Intangible Assets - Additional Information (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Goodwill [Line Items]    
Other intangible assets, net $ 3,163 $ 4,734
CommerceFirst Bancorp, inc.
    
Goodwill [Line Items]    
Other intangible assets, net $ 300  
XML 35 R57.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consideration Transferred for Commerce First's Common Equity and Amount of Acquired Identifiable Assets and Liabilities Assumed (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
May 31, 2012
CommerceFirst Bancorp, inc.
Purchase Price:    
Value of common share issued   $ 13,023
Cash   12,381
Business Acquisition, Cost of Acquired Entity, Purchase Price   25,404
Cash and due from banks   11,532
Investments   502
Loans and leases   165,762
Other Real Estate Owned   2,615
Intangible assets   210
Other assets   7,356
Total identifiable assets   187,977
Deposits   169,921
Other Liabilities   644
Total liabilities   170,565
Net goodwill resulting from acquisition $ 7,992 $ 8,000
XML 36 R109.htm IDEA: XBRL DOCUMENT v2.4.0.6
Weighted average assumptions used to determine benefit obligations (Detail)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Schedule Of Weighted Average Assumptions Used To Determine Benefit Obligations [Line Items]      
Discount rate 4.00% 4.75% 5.00%
Rate of compensation increase 0.00% 0.00% 0.00%
XML 37 R134.htm IDEA: XBRL DOCUMENT v2.4.0.6
Segment Reporting - Additional Information (Detail) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Community Banking | Non Cash
      
Segment Reporting Information [Line Items]      
Amortization of intangibles $ 1.4 $ 1.4 $ 1.4
Investment Management
      
Segment Reporting Information [Line Items]      
Amortization of intangibles $ 822.0    
XML 38 R76.htm IDEA: XBRL DOCUMENT v2.4.0.6
Recorded Investment with Respect to Impaired loans, Associated Allowance by Applicable Portfolio Segment and Principal Balance of Impaired Loans prior to Amounts Charged-off (Detail) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Impaired loans $ 48,773,000 $ 67,575,000 $ 69,614,000
Allowance 5,149,000 7,791,000  
Unpaid principal balance in total impaired loans 73,333,000 82,600,000  
Non Accrual Loans
      
Impaired loans 28,699,000 40,467,000  
Restructuring | Accrual Loans
      
Impaired loans 10,110,000 6,881,000  
Restructuring | Non Accrual Loans
      
Impaired loans 9,964,000 20,227,000  
Commercial Loan
      
Impaired loans 8,984,000 9,092,000  
Allowance 2,597,000 1,037,000  
Unpaid principal balance in total impaired loans 11,506,000 11,303,000  
Commercial Loan | Non Accrual Loans
      
Impaired loans 4,360,000 4,526,000  
Commercial Loan | Restructuring | Accrual Loans
      
Impaired loans 4,373,000 1,866,000  
Commercial Loan | Restructuring | Non Accrual Loans
      
Impaired loans 251,000 2,700,000  
All Other
      
Impaired loans 6,430,000 7,402,000  
Allowance 1,180,000 1,595,000  
Unpaid principal balance in total impaired loans 6,904,000 0  
All Other | Non Accrual Loans
      
Impaired loans 0 1,893,000  
All Other | Restructuring | Accrual Loans
      
Impaired loans 4,234,000 4,308,000  
All Other | Restructuring | Non Accrual Loans
      
Impaired loans 2,196,000 1,201,000  
Impaired Financing Receivables with Related Allowance
      
Impaired loans 27,526,000 36,742,000  
Impaired Financing Receivables with Related Allowance | Non Accrual Loans
      
Impaired loans 11,647,000 20,106,000  
Impaired Financing Receivables with Related Allowance | Restructuring | Accrual Loans
      
Impaired loans 7,903,000 5,528,000  
Impaired Financing Receivables with Related Allowance | Restructuring | Non Accrual Loans
      
Impaired loans 2,571,000 11,108,000  
Impaired Financing Receivables with Related Allowance | Commercial Loan
      
Impaired loans 5,723,000 2,763,000  
Impaired Financing Receivables with Related Allowance | Commercial Loan | Non Accrual Loans
      
Impaired loans 2,514,000 1,110,000  
Impaired Financing Receivables with Related Allowance | Commercial Loan | Restructuring | Accrual Loans
      
Impaired loans 2,981,000 1,346,000  
Impaired Financing Receivables with Related Allowance | Commercial Loan | Restructuring | Non Accrual Loans
      
Impaired loans 228,000 307,000  
Impaired Financing Receivables with Related Allowance | All Other
      
Impaired loans 4,723,000 4,955,000  
Impaired Financing Receivables with Related Allowance | All Other | Non Accrual Loans
      
Impaired loans 0 1,093,000  
Impaired Financing Receivables with Related Allowance | All Other | Restructuring | Accrual Loans
      
Impaired loans 3,419,000 3,475,000  
Impaired Financing Receivables with Related Allowance | All Other | Restructuring | Non Accrual Loans
      
Impaired loans 892,000 387,000  
Impaired Financing Receivables with No Related Allowance
      
Impaired loans 21,247,000 30,833,000  
Impaired Financing Receivables with No Related Allowance | Non Accrual Loans
      
Impaired loans 17,052,000 20,361,000  
Impaired Financing Receivables with No Related Allowance | Restructuring | Accrual Loans
      
Impaired loans 2,207,000 1,353,000  
Impaired Financing Receivables with No Related Allowance | Restructuring | Non Accrual Loans
      
Impaired loans 7,393,000 9,119,000  
Impaired Financing Receivables with No Related Allowance | Commercial Loan
      
Impaired loans 3,261,000 6,329,000  
Impaired Financing Receivables with No Related Allowance | Commercial Loan | Non Accrual Loans
      
Impaired loans 1,846,000 3,416,000  
Impaired Financing Receivables with No Related Allowance | Commercial Loan | Restructuring | Accrual Loans
      
Impaired loans 1,392,000 520,000  
Impaired Financing Receivables with No Related Allowance | Commercial Loan | Restructuring | Non Accrual Loans
      
Impaired loans 23,000 2,393,000  
Impaired Financing Receivables with No Related Allowance | All Other
      
Impaired loans 1,707,000 2,447,000  
Impaired Financing Receivables with No Related Allowance | All Other | Non Accrual Loans
      
Impaired loans 0 800,000  
Impaired Financing Receivables with No Related Allowance | All Other | Restructuring | Accrual Loans
      
Impaired loans 815,000 833,000  
Impaired Financing Receivables with No Related Allowance | All Other | Restructuring | Non Accrual Loans
      
Impaired loans 1,304,000 814,000  
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction
      
Impaired loans 6,332,000 18,701,000  
Allowance 0 7,000  
Unpaid principal balance in total impaired loans 21,590,000 37,442,000  
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction | Non Accrual Loans
      
Impaired loans 3,033,000 7,798,000  
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction | Restructuring | Accrual Loans
      
Impaired loans 0 0  
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction | Restructuring | Non Accrual Loans
      
Impaired loans 3,170,000 10,903,000  
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate
      
Impaired loans 11,843,000 16,964,000  
Allowance 774,000 3,380,000  
Unpaid principal balance in total impaired loans 15,405,000 17,389,000  
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate | Non Accrual Loans
      
Impaired loans 10,796,000 15,695,000  
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate | Restructuring | Accrual Loans
      
Impaired loans 0 0  
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate | Restructuring | Non Accrual Loans
      
Impaired loans 1,047,000 1,269,000  
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate
      
Impaired loans 15,184,000 15,416,000  
Allowance 598,000 1,772,000  
Unpaid principal balance in total impaired loans 17,928,000 16,466,000  
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate | Non Accrual Loans
      
Impaired loans 10,510,000 10,555,000  
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate | Restructuring | Accrual Loans
      
Impaired loans 1,503,000 707,000  
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate | Restructuring | Non Accrual Loans
      
Impaired loans 3,170,000 4,154,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Acquisition, Development and Construction
      
Impaired loans 0 6,504,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Acquisition, Development and Construction | Non Accrual Loans
      
Impaired loans 0 0  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Acquisition, Development and Construction | Restructuring
      
Impaired loans 0 0  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Acquisition, Development and Construction | Restructuring | Non Accrual Loans
      
Impaired loans 0 6,504,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Investor Real Estate
      
Impaired loans 10,219,000 14,440,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Investor Real Estate | Non Accrual Loans
      
Impaired loans 10,219,000 13,812,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Investor Real Estate | Restructuring
      
Impaired loans 0    
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Investor Real Estate | Restructuring | Non Accrual Loans
      
Impaired loans 0 628,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Owner Occupied Real Estate
      
Impaired loans 6,861,000 8,080,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Owner Occupied Real Estate | Non Accrual Loans
      
Impaired loans 4,319,000 4,091,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with Related Allowance | Commercial Owner Occupied Real Estate | Restructuring | Accrual Loans
      
Impaired loans 1,503,000 707,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Acquisition, Development and Construction
      
Impaired loans 8,323,000 12,197,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Acquisition, Development and Construction | Accrual Loans
      
Impaired loans 0 0  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Acquisition, Development and Construction | Non Accrual Loans
      
Impaired loans 3,033,000 7,798,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Acquisition, Development and Construction | Restructuring | Non Accrual Loans
      
Impaired loans 3,299,000 4,399,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Investor Real Estate
      
Impaired loans 1,624,000 2,524,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Investor Real Estate | Non Accrual Loans
      
Impaired loans 577,000 1,883,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Investor Real Estate | Restructuring | Non Accrual Loans
      
Impaired loans 1,047,000 641,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Owner Occupied Real Estate
      
Impaired loans 8,323,000 7,336,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Owner Occupied Real Estate | Non Accrual Loans
      
Impaired loans 6,191,000 6,464,000  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Owner Occupied Real Estate | Restructuring
      
Impaired loans 0 0  
Commercial Real Estate Portfolio Segment | Impaired Financing Receivables with No Related Allowance | Commercial Owner Occupied Real Estate | Restructuring | Non Accrual Loans
      
Impaired loans $ 2,132,000 $ 872,000  
XML 39 R86.htm IDEA: XBRL DOCUMENT v2.4.0.6
Premises And Equipment - Additional Information (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Premises and Equipment Additional Information [Line Items]      
Depreciation and amortization $ 7,847,000 $ 7,488,000 $ 7,686,000
Operating Leases, Rent Expense, Net 6,600,000 5,900,000 5,900,000
Maximum
      
Premises and Equipment Additional Information [Line Items]      
Lease Commitment Initial Term 15 years    
Maximum | Ground Lease
      
Premises and Equipment Additional Information [Line Items]      
Lease Commitment Initial Term 20 years    
Minimum
      
Premises and Equipment Additional Information [Line Items]      
Lease Commitment Initial Term 3 years    
Premises and Equipment
      
Premises and Equipment Additional Information [Line Items]      
Depreciation and amortization $ 4,500,000 $ 4,300,000 $ 4,300,000
XML 40 R81.htm IDEA: XBRL DOCUMENT v2.4.0.6
Credit Risk Rating Indicators for Each Segment of Commercial Loan Portfolio (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases $ 2,531,128 $ 2,239,692
Commercial Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 346,708 260,327
Commercial Portfolio Segment
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 1,527,039 1,315,297
Commercial Portfolio Segment | Commercial Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 346,708 260,327
Commercial Portfolio Segment | Commercial Acquisition, Development and Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 151,933 160,946
Commercial Portfolio Segment | Commercial Investor Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 456,888 371,948
Commercial Portfolio Segment | Commercial Owner Occupied Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 571,510 522,076
Commercial Portfolio Segment | Pass
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 1,374,262 1,162,633
Commercial Portfolio Segment | Pass | Commercial Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 305,348 225,048
Commercial Portfolio Segment | Pass | Commercial Acquisition, Development and Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 141,802 137,181
Commercial Portfolio Segment | Pass | Commercial Investor Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 405,448 331,095
Commercial Portfolio Segment | Pass | Commercial Owner Occupied Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 520,844 469,309
Commercial Portfolio Segment | Special Mention
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 54,621 42,453
Commercial Portfolio Segment | Special Mention | Commercial Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 13,603 8,551
Commercial Portfolio Segment | Special Mention | Commercial Acquisition, Development and Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 1,793 2,207
Commercial Portfolio Segment | Special Mention | Commercial Investor Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 21,963 9,592
Commercial Portfolio Segment | Special Mention | Commercial Owner Occupied Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 17,262 22,103
Commercial Portfolio Segment | Substandard
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 95,107 109,203
Commercial Portfolio Segment | Substandard | Commercial Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 26,091 25,720
Commercial Portfolio Segment | Substandard | Commercial Acquisition, Development and Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 8,338 21,558
Commercial Portfolio Segment | Substandard | Commercial Investor Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 28,885 31,261
Commercial Portfolio Segment | Substandard | Commercial Owner Occupied Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 32,613 30,664
Commercial Portfolio Segment | Doubtful
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 3,049 1,008
Commercial Portfolio Segment | Doubtful | Commercial Loan
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 1,666 1,008
Commercial Portfolio Segment | Doubtful | Commercial Acquisition, Development and Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 0 0
Commercial Portfolio Segment | Doubtful | Commercial Investor Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 592 0
Commercial Portfolio Segment | Doubtful | Commercial Owner Occupied Real Estate
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases $ 791 $ 0
XML 41 R87.htm IDEA: XBRL DOCUMENT v2.4.0.6
Components of Premises and Equipment (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Property, Plant and Equipment [Line Items]    
Land $ 9,954 $ 9,954
Buildings and leasehold improvements 61,456 60,944
Equipment 38,510 39,682
Total premises and equipment 109,920 110,580
Less: accumulated depreciation and amortization (61,594) (62,097)
Net premises and equipment $ 48,326 $ 48,483
XML 42 R77.htm IDEA: XBRL DOCUMENT v2.4.0.6
Impaired Loans by Portfolio (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Financing Receivable, Impaired [Line Items]      
Average impaired loans for the period $ 57,438 $ 68,377 $ 75,556
Contractual interest income due on impaired loans during the period 4,433 4,973 6,651
Interest income on impaired loans recognized on a cash basis 1,121 1,523 0
Interest income on impaired loans recognized on an accrual basis 560 325 524
Commercial Loan
      
Financing Receivable, Impaired [Line Items]      
Average impaired loans for the period 8,659 9,800  
Contractual interest income due on impaired loans during the period 527 583  
Interest income on impaired loans recognized on a cash basis 121 267  
Interest income on impaired loans recognized on an accrual basis 257 114  
All Other
      
Financing Receivable, Impaired [Line Items]      
Average impaired loans for the period 6,499 6,221  
Contractual interest income due on impaired loans during the period 112 1,017  
Interest income on impaired loans recognized on a cash basis 82 205  
Interest income on impaired loans recognized on an accrual basis 201 166  
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction
      
Financing Receivable, Impaired [Line Items]      
Average impaired loans for the period 12,270 27,005  
Contractual interest income due on impaired loans during the period 1,222 1,743  
Interest income on impaired loans recognized on a cash basis 323 487  
Interest income on impaired loans recognized on an accrual basis 0 0  
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate
      
Financing Receivable, Impaired [Line Items]      
Average impaired loans for the period 13,838 11,409  
Contractual interest income due on impaired loans during the period 1,181 830  
Interest income on impaired loans recognized on a cash basis 175 93  
Interest income on impaired loans recognized on an accrual basis 0 0  
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate
      
Financing Receivable, Impaired [Line Items]      
Average impaired loans for the period 16,172 13,942  
Contractual interest income due on impaired loans during the period 1,391 800  
Interest income on impaired loans recognized on a cash basis 420 471  
Interest income on impaired loans recognized on an accrual basis $ 102 $ 45  
XML 43 R71.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and Leases - Additional Information (Detail) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Composition of Loan Portfolio [Line Items]    
Unearned income and deferred fees $ 1.4 $ 2.0
Loan discount $ 2.5  
XML 44 R25.htm IDEA: XBRL DOCUMENT v2.4.0.6
NET INCOME PER COMMON SHARE
 12 Months Ended
Dec. 31, 2012
Earnings Per Share [Abstract]  
Net Income per Common Share

Note 17 – Net Income per Common Share

The calculation of net income per common share for the years ended December 31 is presented in the following table:

 

(Dollars and amounts in thousands, except per share data)   2012     2011     2010  
Net income   $ 36,554     $ 34,102     $ 23,520  
Less: Dividends - preferred stock     -       -       6,149  
Net income available to common stockholders   $ 36,554     $ 34,102     $ 17,371  
                         
Basic:                        
Basic weighted average EPS shares     24,573       24,083       22,339  
                         
Basic net income per share   $ 1.49     $ 1.42     $ 1.05  
Basic net income per common share     1.49       1.42       0.78  
                         
Diluted:                        
Basic weighted average EPS shares     24,573       24,083       22,339  
Dilutive common stock equivalents     84       66       41  
Dilutive EPS shares     24,657       24,149       22,380  
                         
Diluted net income per share   $ 1.48     $ 1.41     $ 1.05  
Diluted net income per common share     1.48       1.41       0.78  
                         
Anti-dilutive shares     421       621       776  

 
XML 45 R50.htm IDEA: XBRL DOCUMENT v2.4.0.6
FAIR VALUE (Tables)
 12 Months Ended
Dec. 31, 2012
Fair Value Disclosures [Abstract]  
Financial assets and Liabilities at Dates Indicated that were Accounted for or Disclosed at Fair Value

The following tables set forth the Company’s financial assets and liabilities at the December 31 for the years indicated that were accounted for or disclosed at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement:

 

    2012  
    Quoted Prices in         Significant        
    Active Markets for     Significant Other     Unobservable        
    Identical Assets     Observable Inputs     Inputs        
(In thousands)   (Level 1)     (Level 2)     (Level 3)     Total  
Assets                                
Residential mortgage loans held for sale   $ -     $ 36,149     $ -     $ 36,149  
Investments available-for-sale:                                
U.S. government agencies     -       156,428       -       156,428  
State and municipal     -       174,491       -       174,491  
Mortgage-backed     -       490,479       -       490,479  
Corporate debt     -       1,996       -       1,996  
Trust preferred     -       -       1,465       1,465  
Marketable equity securities     -       723       -       723  
Interest rate swap agreements     -       1,280       -       1,280  
                                 
Liabilities                                
Interest rate swap agreements   $ -     $ (1,280 )   $ -     $ (1,280 )

 

    2011  
    Quoted Prices in         Significant        
    Active Markets for     Significant Other     Unobservable        
    Identical Assets     Observable Inputs     Inputs        
(In thousands)   (Level 1)     (Level 2)     (Level 3)     Total  
Assets                                
Residential mortgage loans held for sale   $ -     $ 25,341     $ -     $ 25,341  
Investments available-for-sale:                                
U.S. government agencies     -       200,252       -       200,252  
State and municipal     -       173,111       -       173,111  
Mortgage-backed     -       570,144       -       570,144  
Corporate debt     -       1,978       -       1,978  
Trust preferred     3,249       -       2,467       5,716  
Marketable equity securities     -       100       -       100  
Interest rate swap agreements     -       1,529       -       1,529  
                                 
Liabilities                                
Interest rate swap agreements   $ -     $ (1,529 )   $ -     $ (1,529 )
Unrealized Losses Included in Assets Measured in Condensed Consolidated Statements of Condition at Fair Value on a Recurring Basis

The following table provides unrealized losses included in assets measured in the Consolidated Statements of Condition at fair value on a recurring basis for the periods indicated:

 

    Significant  
    Unobservable  
    Inputs  
(In thousands)   (Level 3)  
Investments available-for-sale:        
Balance at January 1, 2012   $ 2,467  
Total OTTI included in earnings     (109 )
Principal redemption     (1,134 )
Total unrealized losses included in other comprehensive income (loss)     241  
Balance at December 31, 2012   $ 1,465  
Assets Measured at Fair Value on Nonrecurring Basis

Assets Measured at Fair Value on a Nonrecurring Basis

The following table sets forth the Company’s financial assets subject to fair value adjustments (impairment) on a nonrecurring basis at December 31 for the year indicated that are valued at the lower of cost or market. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement:

 

    2012  
    Quoted Prices in     Significant                    
    Active Markets     Other     Significant              
    for Identical     Observable     Unobservable              
(In thousands)   Assets (Level 1)     Inputs (Level 2)     Inputs (Level 3)     Total     Total Losses  
Impaired loans   $ -     $ -     $ 43,624     $ 43,624     $ (6,730 )
Other real estate owned     -       -       5,926       5,926       (188 )
Total   $ -     $ -     $ 49,550     $ 49,550     $ (6,918 )

 

    2011  
(In thousands)   Quoted Prices in
Active Markets
for Identical
Assets (Level 1)		     Significant Other
Observable
Inputs (Level 2)		     Significant
Unobservable
Inputs (Level 3)		     Total     Total Losses  
Impaired loans   $ -     $ -     $ 59,784     $ 59,784     $ (5,565 )
Other real estate owned     -       -       4,431       4,431       (786 )
Total   $ -     $ -     $ 64,215     $ 64,215     $ (6,351 )
Carrying Amounts And Fair Values of Company's Financial Instruments

The carrying amounts and fair values of the Company’s financial instruments at December 31 for the year indicated are presented in the following table:

                Fair Value Measurements  
    2012     Quoted Prices in              
          Estimated     Active Markets for     Significant Other     Significant  
    Carrying     Fair     Identical Assets     Observable Inputs     Unobservable Inputs  
(In thousands)   Amount     Value     (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Investments held-to-maturity and other equity securities   $ 249,450     $ 255,660     $ -     $ 255,660     $ -  
Loans, net of allowance     2,488,171       2,453,314       -       -       2,453,314  
Other assets     83,714       83,714       -       83,714       -  
                                         
Financial Liabilities                                        
Time Deposits   $ 524,820     $ 528,074     $ -     $ 528,074     $ -  
Securities sold under retail repurchase agreements and federal funds purchased     86,929       86,929       -       86,929       -  
Advances from FHLB     405,058       451,408       -       451,408       -  
Subordinated debentures     35,000       9,919       -       -       9,919  

 

                Fair Value Measurements  
    2011     Quoted Prices in              
          Estimated     Active Markets for     Significant Other     Significant  
    Carrying     Fair     Identical Assets     Observable Inputs     Unobservable Inputs  
(In thousands)   Amount     Value     (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Investments held-to-maturity and other equity securities   $ 213,398     $ 219,100     $ -     $ 219,100     $ -  
Loans, net of allowance     2,190,266       2,276,333       -       -       2,276,333  
Other assets     81,098       81,098       -       81,098       -  
                                         
Financial Liabilities                                        
Time Deposits   $ 584,321     $ 588,818     $ -     $ 588,818     $ -  
Securities sold under retail repurchase agreements and federal funds purchased     143,613       143,613       -       143,613       -  
Advances from FHLB     405,408       452,378       -       452,378       -  
Subordinated debentures     35,000       9,810       -       -       9,810  
XML 46 R42.htm IDEA: XBRL DOCUMENT v2.4.0.6
BORROWINGS (Tables)
 12 Months Ended
Dec. 31, 2012
Debt Disclosure [Abstract]  
Retail Repurchase Agreements And Other Short-Term Borrowings

Information relating to retail repurchase agreements and other short-term borrowings is presented in the following table at and for the years ending December 31:

 

    2012     2011     2010        
(Dollars in thousands)   Amount     Rate     Amount     Rate     Amount     Rate  
Retail repurchase agreements   $ 51,929       0.20 %   $ 63,613       0.20 %   $ 86,243       0.30 %
Average for the Year:                                                
Retail repurchase agreements   $ 63,864       0.28 %   $ 73,543       0.26 %   $ 86,726       0.30 %
Maximum Month-end Balance:                                                
Retail repurchase agreements   $ 73,130             $ 79,529             $ 97,884        
Borrowings

Advances from FHLB and the respective maturity schedule at December 31 for the years indicated consisted of the following:

 

    2012     2011  
          Weighted           Weighted  
          Average           Average  
(Dollars in thousands)   Amounts     Rate     Amounts     Rate  
Maturity:                                
One year   $ 35,058       0.36 %   $ 350       0.37 %
Two years     -       -       58       4.13  
Three years     -       -       -       -  
Four years     40,000       4.47       -       -  
Five years     85,000       3.57       160,000       4.51  
After five years     280,000       2.91       245,000       2.84  
Total advances from FHLB   $ 440,058       2.97     $ 405,408       2.99
XML 47 R75.htm IDEA: XBRL DOCUMENT v2.4.0.6
Activity in Allowance for Loan and Lease Losses by Respective Loan Portfolio Segment (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year $ 49,426,000 $ 62,135,000 $ 64,559,000
Provision (credit) 3,649,000 1,428,000 25,908,000
Charge-offs (12,804,000) (16,505,000)  
Loan and lease recoveries 2,686,000 2,368,000 4,284,000
Net charge-offs (10,118,000) (14,137,000) (28,332,000)
Balance at period end 42,957,000 49,426,000 62,135,000
Total loans and leases 2,531,128,000 2,239,692,000  
Allowance for loans and leases to total loans and leases ratio 1.70% 2.21%  
Balance of loans specifically evaluated for impairment 48,773,000 67,575,000  
Allowance for loans specifically evaluated for impairment 5,149,000 7,791,000 3,845,000
Specific loans to specific allowance ratio 10.56% 11.53%  
Balance of loans collectively evaluated 2,482,355,000 2,172,117,000  
Allowance for loans collectively evaluated 37,808,000 41,635,000 58,290,000
Collective loans to collective allowance ratio 1.52% 1.92%  
Commercial Business
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 6,727,000 12,870,000  
Provision (credit) (758,000) (4,252,000)  
Charge-offs (1,022,000) (2,565,000)  
Loan and lease recoveries 1,548,000 674,000  
Net charge-offs 526,000 (1,891,000)  
Balance at period end 6,495,000 6,727,000  
Total loans and leases 346,708,000 260,327,000  
Allowance for loans and leases to total loans and leases ratio 1.87% 2.58%  
Balance of loans specifically evaluated for impairment 8,984,000 9,092,000  
Allowance for loans specifically evaluated for impairment 2,597,000 1,037,000  
Specific loans to specific allowance ratio 28.91% 11.41%  
Balance of loans collectively evaluated 337,724,000 251,235,000  
Allowance for loans collectively evaluated 3,898,000 5,690,000  
Collective loans to collective allowance ratio 1.15% 2.26%  
Leases
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 795,000 667,000  
Provision (credit) (478,000) 1,182,000  
Charge-offs (8,000) (1,072,000)  
Loan and lease recoveries 23,000 18,000  
Net charge-offs 15,000 (1,054,000)  
Balance at period end 332,000 795,000  
Total loans and leases 3,421,000 6,954,000  
Allowance for loans and leases to total loans and leases ratio 9.70% 11.43%  
Balance of loans specifically evaluated for impairment 0    
Allowance for loans specifically evaluated for impairment 0    
Specific loans to specific allowance ratio 0.00%    
Balance of loans collectively evaluated 3,421,000 6,954,000  
Allowance for loans collectively evaluated 332,000 795,000  
Collective loans to collective allowance ratio 9.70% 11.43%  
Consumer
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 4,873,000 4,231,000  
Provision (credit) 44,000 3,173,000  
Charge-offs (1,298,000) (2,740,000)  
Loan and lease recoveries 227,000 209,000  
Net charge-offs (1,071,000) (2,531,000)  
Balance at period end 3,846,000 4,873,000  
Total loans and leases 356,990,000 360,080,000  
Allowance for loans and leases to total loans and leases ratio 1.08% 1.35%  
Balance of loans specifically evaluated for impairment 31,000 35,000  
Allowance for loans specifically evaluated for impairment 0    
Specific loans to specific allowance ratio 0.00%    
Balance of loans collectively evaluated 356,959,000 360,045,000  
Allowance for loans collectively evaluated 3,846,000 4,873,000  
Collective loans to collective allowance ratio 1.08% 1.35%  
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 6,664,000 18,241,000  
Provision (credit) 826,000 (11,035,000)  
Charge-offs (3,281,000) (1,780,000)  
Loan and lease recoveries 528,000 1,238,000  
Net charge-offs (2,753,000) (542,000)  
Balance at period end 4,737,000 6,664,000  
Total loans and leases 151,933,000 160,946,000  
Allowance for loans and leases to total loans and leases ratio 3.12% 4.14%  
Balance of loans specifically evaluated for impairment 6,332,000 18,701,000  
Allowance for loans specifically evaluated for impairment 0 7,000  
Specific loans to specific allowance ratio 0.00% 0.04%  
Balance of loans collectively evaluated 145,601,000 142,245,000  
Allowance for loans collectively evaluated 4,737,000 6,657,000  
Collective loans to collective allowance ratio 3.25% 4.68%  
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 8,248,000 4,793,000  
Provision (credit) 4,928,000 4,320,000  
Charge-offs (3,690,000) (868,000)  
Loan and lease recoveries 97,000 3,000  
Net charge-offs (3,593,000) (865,000)  
Balance at period end 9,583,000 8,248,000  
Total loans and leases 456,888,000 371,948,000  
Allowance for loans and leases to total loans and leases ratio 2.10% 2.22%  
Balance of loans specifically evaluated for impairment 11,843,000 16,964,000  
Allowance for loans specifically evaluated for impairment 774,000 3,380,000  
Specific loans to specific allowance ratio 6.54% 19.92%  
Balance of loans collectively evaluated 445,045,000 354,984,000  
Allowance for loans collectively evaluated 8,809,000 4,868,000  
Collective loans to collective allowance ratio 1.98% 1.37%  
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 7,329,000 8,177,000  
Provision (credit) 804,000 (361,000)  
Charge-offs (1,174,000) (487,000)  
Loan and lease recoveries 38,000 0  
Net charge-offs (1,136,000) (487,000)  
Balance at period end 6,997,000 7,329,000  
Total loans and leases 571,510,000 522,076,000  
Allowance for loans and leases to total loans and leases ratio 1.22% 1.40%  
Balance of loans specifically evaluated for impairment 15,184,000 15,416,000  
Allowance for loans specifically evaluated for impairment 598,000 1,772,000  
Specific loans to specific allowance ratio 3.94% 11.49%  
Balance of loans collectively evaluated 556,326,000 506,660,000  
Allowance for loans collectively evaluated 6,399,000 5,557,000  
Collective loans to collective allowance ratio 1.15% 1.10%  
Residential Real Estate Portfolio Segment | Residential Mortgage
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 10,583,000 10,396,000  
Provision (credit) (167,000) 5,144,000  
Charge-offs (2,107,000) (5,178,000)  
Loan and lease recoveries 213,000 221,000  
Net charge-offs (1,894,000) (4,957,000)  
Balance at period end 8,522,000 10,583,000  
Total loans and leases 523,364,000 448,662,000  
Allowance for loans and leases to total loans and leases ratio 1.63% 2.36%  
Balance of loans specifically evaluated for impairment 4,528,000 5,108,000  
Allowance for loans specifically evaluated for impairment 713,000 769,000  
Specific loans to specific allowance ratio 15.75% 15.05%  
Balance of loans collectively evaluated 518,836,000 443,554,000  
Allowance for loans collectively evaluated 7,809,000 9,814,000  
Collective loans to collective allowance ratio 1.51% 2.21%  
Residential Real Estate Portfolio Segment | Residential Construction
      
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year 4,207,000 2,760,000  
Provision (credit) (1,550,000) 3,257,000  
Charge-offs (224,000) (1,815,000)  
Loan and lease recoveries 12,000 5,000  
Net charge-offs (212,000) (1,810,000)  
Balance at period end 2,445,000 4,207,000  
Total loans and leases 120,314,000 108,699,000  
Allowance for loans and leases to total loans and leases ratio 2.03% 3.87%  
Balance of loans specifically evaluated for impairment 1,871,000 2,259,000  
Allowance for loans specifically evaluated for impairment 467,000 826,000  
Specific loans to specific allowance ratio 24.96% 36.56%  
Balance of loans collectively evaluated 118,443,000 106,440,000  
Allowance for loans collectively evaluated $ 1,978,000 $ 3,381,000  
Collective loans to collective allowance ratio 1.67% 3.18%  
XML 48 R97.htm IDEA: XBRL DOCUMENT v2.4.0.6
Borrowings - Additional Information (Detail) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Borrowings [Line Items]    
Line of credit amount available for borrowing   $ 1,100.0
Pledged collateral for line of credit   498.3
Total pledged collateral   485.4
Pledged collateral for overnight funds   80
Pledged collateral for FHLB advances 440.1 405.4
Residential Portfolio Segment
    
Borrowings [Line Items]    
Pledged under blanket lien 399.1 319.2
Commercial Portfolio Segment
    
Borrowings [Line Items]    
Pledged under blanket lien 552.6 514.8
Home Equity Lines Of Credit
    
Borrowings [Line Items]    
Pledged under blanket lien 313.6 322.0
Multifamily Loans
    
Borrowings [Line Items]    
Pledged under blanket lien 8.0 13.0
Federal Reserve and Correspondent Banks
    
Borrowings [Line Items]    
Line of credit amount available for borrowing 411.6 315.2
Unsecured line of credit available for borrowing 55 55
FHLB
    
Borrowings [Line Items]    
Percentage of principal and accrued interest of retail repurchase agreements collateralized 102.50%  
Line of credit amount available for borrowing 1,200.0  
Pledged collateral for line of credit $ 699.1  
XML 49 R37.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS AND LEASES (Tables)
 12 Months Ended
Dec. 31, 2012
Loans and Leases Receivable Disclosure [Abstract]  
Loan Portfolio Segment Balances

The loan portfolio segment balances at December 31 are presented in the following table:

 

(In thousands)   2012     2011  
Residential real estate:                
Residential mortgage   $ 523,364     $ 448,662  
Residential construction     120,314       108,699  
Commercial real estate:                
Commercial owner occupied real estate     571,510       522,076  
Commercial investor real estate     456,888       371,948  
Commercial acquisition, development and construction     151,933       160,946  
Commercial Business     346,708       260,327  
Leases     3,421       6,954  
Consumer     356,990       360,080  
Total loans and leases   $ 2,531,128     $ 2,239,692  
Schedule Of Related Party Debt

The following schedule summarizes changes in amounts of loans outstanding, both direct and indirect, to these persons during the periods indicated:

 

(In thousands)   2012     2011  
Balance at January 1   $ 20,235     $ 22,842  
Additions     847       176  
Repayments     (588 )     (2,783 )
Balance at December 31   $ 20,494     $ 20,235  
XML 50 R52.htm IDEA: XBRL DOCUMENT v2.4.0.6
REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2012
Banking and Thrift [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The Company's and the Bank's actual capital amounts and ratios at December 31 for the year indicated are presented in the following table:

 

                            To Be Well  
                            Capitalized Under  
                For Capital     Prompt Corrective  
    Actual     Adequacy Purposes     Action Provisions  
(Dollars in thousands)   Amount     Ratio     Amount     Ratio     Amount     Ratio  
                                     
As of December 31, 2012:                                                
Total Capital to risk-weighted assets                                                
Company   $ 456,791       15.40 %   $ 237,308       8.00 %     N/A       N/A  
Sandy Spring Bank   $ 445,097       15.02 %   $ 237,066       8.00 %   $ 296,332       10.00 %
Tier 1 Capital to risk-weighted assets                                                
Company   $ 419,639       14.15 %   $ 118,654       4.00 %     N/A       N/A  
Sandy Spring Bank   $ 372,983       12.59 %   $ 118,533       4.00 %   $ 177,799       6.00 %
Tier 1 Leverage                                                
Company   $ 419,639       10.98 %   $ 114,628       3.00 %     N/A       N/A  
Sandy Spring Bank   $ 372,983       9.77 %   $ 114,553       3.00 %   $ 190,922       5.00 %
                                                 
As of December 31, 2011:                                                
Total Capital to risk-weighted assets                                                
Company   $ 419,780       15.83 %   $ 212,199       8.00 %     N/A       N/A  
Sandy Spring Bank   $ 397,526       15.00 %   $ 212,016       8.00 %   $ 265,021       10.00 %
Tier 1 Capital to risk-weighted assets                                                
Company   $ 386,423       14.57 %   $ 106,099       4.00 %     N/A       N/A  
Sandy Spring Bank   $ 329,197       12.42 %   $ 106,008       4.00 %   $ 159,012       6.00 %
Tier 1 Leverage                                                
Company   $ 386,423       10.84 %   $ 106,976       3.00 %     N/A       N/A  
Sandy Spring Bank   $ 329,197       9.24 %   $ 106,920       3.00 %   $ 178,200       5.00 %
XML 51 R67.htm IDEA: XBRL DOCUMENT v2.4.0.6
Gross Unrealized Losses and Fair Value by Length of Time for Held-To-Maturity Securities (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
OptionPlan
Dec. 31, 2011
OptionPlan
Held-to-Maturity Securities
    
Gain (Loss) on Investments [Line Items]    
Number of securities 14 1
Fair Value $ 26,829 $ 541
Less than 12 months 152 1
More than 12 months 0 0
Total Unrealized Losses 152 1
State and municipal
    
Gain (Loss) on Investments [Line Items]    
Number of securities 13 1
Fair Value 16,868 541
Less than 12 months 123 1
More than 12 months 0 0
Total Unrealized Losses 123 1
State and municipal | Held-to-Maturity Securities
    
Gain (Loss) on Investments [Line Items]    
Number of securities 1  
Fair Value 9,961  
Less than 12 months 29  
More than 12 months 0  
Total Unrealized Losses $ 29  
XML 52 R111.htm IDEA: XBRL DOCUMENT v2.4.0.6
Weighted average assumptions used to determine net periodic benefit cost (Detail)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Schedule Of Weighted Average Assumptions Used To Determine Net Periodic Benefit Cost [Line Items]      
Discount rate 4.75% 5.00% 5.00%
Expected return on plan assets 4.00% 4.50% 4.50%
Rate of compensation increase 0.00% 0.00% 0.00%
XML 53 R61.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investments - Additional Information (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Investment [Line Items]    
Overall default probabilities percentage 0.38%  
Recovery and prepayment probabilities percentage 2.00%  
Discount rate assumption 12.00%  
Pooled trust preferred security incurred credit-related other-than-temporary impairment ("OTTI") $ 109,000 $ 160,000
Non-credit related OTTI recognized in other comprehensive income ("OCI") 300,000  
Investments available-for-sale book value 195,400,000 255,400,000
Investments held-to-maturity book value 155,500,000 58,700,000
Banks and Financial Institutions
    
Investment [Line Items]    
Trust preferred portfolio Fair Value 1,400,000  
Trust preferred portfolio 1,700,000  
Government National Mortgage Association Certificates and Obligations (GNMA)
    
Investment [Line Items]    
Mortgage-backed portfolio 206,600,000  
Government National Mortgage Association Certificates and Obligations (GNMA) | Federal Home Loan Mortgage and Federal National Mortgage Association | Federal Home Loan Mortgage Corporation
    
Investment [Line Items]    
Mortgage-backed portfolio $ 283,900,000  
XML 54 R47.htm IDEA: XBRL DOCUMENT v2.4.0.6
NET INCOME PER COMMON SHARE (Tables)
 12 Months Ended
Dec. 31, 2012
Earnings Per Share [Abstract]  
Calculation of Net Income Per Common Share

The calculation of net income per common share for the years ended December 31 is presented in the following table:

 

(Dollars and amounts in thousands, except per share data)   2012     2011     2010  
Net income   $ 36,554     $ 34,102     $ 23,520  
Less: Dividends - preferred stock     -       -       6,149  
Net income available to common stockholders   $ 36,554     $ 34,102     $ 17,371  
                         
Basic:                        
Basic weighted average EPS shares     24,573       24,083       22,339  
                         
Basic net income per share   $ 1.49     $ 1.42     $ 1.05  
Basic net income per common share     1.49       1.42       0.78  
                         
Diluted:                        
Basic weighted average EPS shares     24,573       24,083       22,339  
Dilutive common stock equivalents     84       66       41  
Dilutive EPS shares     24,657       24,149       22,380  
                         
Diluted net income per share   $ 1.48     $ 1.41     $ 1.05  
Diluted net income per common share     1.48       1.41       0.78  
                         
Anti-dilutive shares     421       621       776  

 
XML 55 R9.htm IDEA: XBRL DOCUMENT v2.4.0.6
SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2012
Accounting Policies [Abstract]  
Significant Accounting Policies

Note 1 – Significant Accounting Policies

Nature of Operations

Sandy Spring Bancorp (the “Company”), a Maryland corporation, is the bank holding company for Sandy Spring Bank (the “Bank”), which conducts a full-service commercial banking, mortgage banking and trust business. Services to individuals and businesses include accepting deposits, extending real estate, consumer and commercial loans and lines of credit, equipment leasing, general insurance, personal trust, and investment and wealth management services. The Company operates in the Maryland counties of Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George's, and in Arlington, Fairfax and Loudoun counties in Virginia. The Company offers investment and wealth management services through the Bank’s subsidiary, West Financial Services. Insurance products are available to clients through Sandy Spring Insurance, and Neff & Associates, which are agencies of Sandy Spring Insurance Corporation.

 

Basis of Presentation

The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and prevailing practices within the financial services industry for financial information. The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Certain reclassifications have been made to prior period amounts to conform to the current period presentation. The Company has evaluated subsequent events through the date of the issuance of its financial statements.

 

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Sandy Spring Bank and its subsidiaries, Sandy Spring Insurance Corporation and West Financial Services, Inc. Consolidation has resulted in the elimination of all significant intercompany accounts and transactions.

 

Use of Estimates

The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, and affect the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for loan and lease losses and the related allowance, determination of impaired loans and the related measurement of impairment, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether impaired securities are other-than-temporarily impaired, valuation of other real estate owned, prepayment rates, valuation of share-based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, the calculation of current and deferred income taxes and the actuarial projections related to pension expense and the related liability.

 

Assets Under Management

Assets held for others under fiduciary and agency relationships are not assets of the Company or its subsidiaries and are not included in the accompanying balance sheets. Trust department income and investment management fees are presented on an accrual basis.

 

Cash Flows

For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits with banks (items with an original maturity of three months or less).

 

Loans Acquired with Deteriorated Credit Quality 

Acquired loans with evidence of credit deterioration since their origination as of the date of the acquisition are recorded at their initial fair value. Credit deterioration is determined based on the probability of collection of all contractually required principal and interest payments. The historical allowance for loan and lease losses related to the acquired loans is not carried over to the Company. The determination of credit quality deterioration as of the purchase date may include parameters such as past due and non-accrual status, commercial risk ratings, cash flow projections, type of loan and collateral, collateral value and recent loan-to-value ratios or appraised values. For loans acquired with no evidence of credit deterioration, the fair value discount or premium is amortized over the contractual life of the loan as an adjustment to yield. For loans acquired with evidence of credit deterioration, the Company determines at the acquisition date the excess of the loan’s contractually required payments over all cash flows expected to be collected as an amount that should not be accreted into interest income (nonaccretable difference). The remaining amount, representing the difference in the expected cash flows of acquired loans and the initial investment in the acquired loans, is accreted into interest income over the remaining life of the loan or pool of loans (accretable yield) using the interest method. Subsequent to the purchase date, increases in expected cash flows over those expected at the purchase date are recognized prospectively as interest income over the remaining life of the loan as an adjustment to the accretable yield. The present value of any decreases in expected cash flows after the purchase date is recognized as an impairment through a charge to the provision for loan losses. Subsequent to the purchase date, the methods utilized to estimate the required allowance for loan and lease losses are similar to originated loans. Loans carried at fair value, mortgage loans held for sale and loans under revolving credit agreements are excluded from the scope of this guidance on loans acquired with deteriorated credit quality.

 

Residential Mortgage Loans Held for Sale

The Company engages in sales of residential mortgage loans originated by the Bank. Loans held for sale are carried at fair value. Fair value is derived from secondary market quotations for similar instruments. The Company measures residential mortgage loans at fair value when the Company first recognizes the loan (i.e., the fair value option), as permitted by current accounting standards. Changes in fair value of these loans are recorded in earnings as a component of mortgage banking activities in non-interest income in the Consolidated Statements of Income. The Company's current practice is to sell such loans on a servicing released basis.

 

Investments Held-to-Maturity

Investments held-to-maturity represents securities which the Company has the ability and positive intent to hold until maturity. These securities are recorded at cost at the time of acquisition. The carrying values of investments held-to-maturity are adjusted for premium amortization and discount accretion to the maturity date on the effective interest method. Related interest and dividends are included in interest income. Declines in the fair value of individual held-to-maturity investments below their cost that are other-than-temporary result in write-downs of the individual securities to their fair value. Factors that may affect the determination of whether other-than-temporary impairment (“OTTI”) has occurred include a downgrading of the security below investment grade by the rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, or that management would not have the ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.

 

Investments Available-for-Sale

Marketable equity securities and debt securities not classified as held-to-maturity or trading are classified as securities available-for-sale. Securities available-for-sale are acquired as part of the Company's asset/liability management strategy and may be sold in response to changes in interest rates, loan demand, changes in prepayment risk or other factors. Securities available-for-sale are carried at fair value, with unrealized gains or losses based on the difference between amortized cost and fair value, reported net of deferred tax, as accumulated other comprehensive income (loss), a separate component of stockholders' equity. The carrying values of securities available-for-sale are adjusted for premium amortization and discount accretion to the maturity date on the effective interest method. Realized gains and losses on security sales or maturities, using the specific identification method, are included as a separate component of non-interest income. Related interest and dividends are included in interest income. Declines in the fair value of individual available-for-sale securities below their cost that are other-than-temporary (“OTTI”) result in write-downs of the individual securities to their fair value. Factors affecting the determination of whether other-than-temporary impairment has occurred include a downgrading of the security below investment grade by a rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, or a change in management’s intent and ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.

 

Other Equity Securities

Other equity securities include Federal Reserve stock, Federal Home Loan Bank of Atlanta stock and other equities that are considered restricted as to marketability and recorded at cost. These securities are evaluated for impairment each reporting period.

 

Loans and Lease Financing Receivables

The Company’s financing receivables consist primarily of loans and a minimal amount of leases that are stated at their principal balance outstanding net of any unearned income and deferred fees and costs. Interest income on loans is accrued at the contractual rate based on the principal outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Lease financing receivables, all of which are direct financing leases, include aggregate payments, net of related unearned income. Leasing income is recognized on a basis that achieves a constant periodic rate of return on the outstanding lease financing balances over the lease terms.

 

Loans are considered past due or delinquent when the principal or interest due in accordance with the contractual terms of the loan agreement or any portion thereof remains unpaid after the due date of the scheduled payment. Immaterial shortfalls in payment amounts do not necessarily result in a loan being considered delinquent or past due. If any payments are past due and subsequent payments are resumed without payment of the delinquent amount, the loan shall continue to be considered past due. Whenever any loan is reported delinquent on a principal or interest payment or portion thereof, the amount reported as delinquent is the outstanding principal balance of the loan.

 

Loans and leases, except for consumer loans, are placed into non-accrual status when any portion of the loan principal or interest becomes 90 days past due. Management may determine that certain circumstances warrant earlier discontinuance of interest accruals on specific loans if an evaluation of other relevant factors (such as bankruptcy, interruption of cash flows, etc.) indicates collection of amounts contractually due is unlikely. These loans are considered, collectively, to be non-performing loans. Consumer installment loans that are not secured by real estate are not placed on non-accrual, but are charged down to their net realizable value when they are four months past due. Loans designated as non-accrual have all previously accrued but unpaid interest reversed. Payments received on non-accrual loans when doubt about the ultimate collectability of the principal not longer exists may have their interest payments recorded as interest income on a cash basis or using the cost-recovery method with all payments are applied to reduce the outstanding principal until the loan returns to accrual status. Loans may be returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured

 

Large groups of smaller balance homogeneous loans are not individually evaluated for impairment and include lease financing receivables, residential permanent and construction mortgages and consumer installment loans. All other loans are considered non-homogeneous and are evaluated for impairment if they are placed in non-accrual status. Loans are determined to be impaired when, based on available information, it is probable that the Company may not collect all principal and interest payments according to contractual terms. Factors considered in determining whether a loan is impaired include:

· the financial condition of the borrower;
· reliability and sources of the cash flows;
· absorption or vacancy rates; and
· deterioration of the related collateral.

 

The impairment of a loan is measured based on the present value of expected future cash flows discounted at the loan's original effective interest rate, or as permitted, the impairment may be measured based on a loan’s observable market price or the fair value of the collateral less cost to sell. The majority of the Company’s impaired loans are considered to be collateral dependent and impairment is measured by determining the fair value of the collateral using third party appraisals conducted at least annually with underlying assumptions that are reviewed by management. Third party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish a specific allowance on a loan. In these instances the specific allowance is adjusted to reflect the Company’s evaluation of the appraised fair value. In the event a loss was previously confirmed and the loan was charged down to the estimated fair value based on a previous appraisal, the balance of partially charged-off loans are not subsequently increased but could be further decreased depending on the direction of the change in fair value. Payments on fully or partially charged-off loans are accounted for under the cost-recovery method. Under this method, all payments are applied on a cash basis to reduce the entire outstanding principal, then to recognize a recovery of all previously charged-off amounts before interest income may be recognized. Based on the impairment evaluation, if the Company determines an estimable loss exists, a specific allowance will be established for that loan. Once a loss has been confirmed, the loan is charged-down to its estimated net realizable value. Interest income on impaired loans is recognized using the same method as non-accrual loans, with the exception of loans that are considered troubled debt restructurings.

 

Loans considered to be troubled debt restructurings (“TDRs”) are loans that have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief to a borrower experiencing financial difficulty. All restructured loans are considered impaired loans and may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided doubt has been removed concerning the collectability of principal and interest as evidenced by a sufficient period of payment performance in accordance with the restructured terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if their revised loan terms are considered to be consistent with terms that can be obtained in the credit market for loans with comparable risk and they meet certain performance criteria.

 

Management uses relevant information available to make the determination on whether loans are impaired in accordance with GAAP. However, the determination of whether loans are impaired and the measurement of the impairment requires significant judgment, and estimates of losses inherent in the loan portfolio can vary significantly from the amounts actually observed.

 

Allowance for Loan and Lease Losses

The allowance for loan and lease losses (“allowance” or “ALLL”) represents an amount which, in management's judgment, is adequate to absorb the estimate of losses that may be sustained on outstanding loans and leases at the balance sheet date based on the evaluation of the size and current risk characteristics of the loan portfolio. The allowance is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision or credit for loan and lease losses, which is recorded as a current period operating expense. The allowance is based on the basic principle that a loss be accrued when it is probable that the loss has occurred and the amount of the loss can be reasonably estimated.

 

Determination of the adequacy of the allowance is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the allowance is reviewed monthly by the Credit and Investment Risk Committee of the board of directors and formally approved quarterly by that same committee of the board.

 

The Company’s methodology for estimating the allowance includes a general component reflecting historical losses, as adjusted, by loan portfolio segment, and a specific component for impaired loans. There were no changes in the Company’s allowance policies or methodology from the prior year.

 

The general component is based upon historical loss experience by each portfolio segment measured, over the prior eight quarters, weighted so that losses realized in the most recent quarters have the greatest effect. The historical loss experience is supplemented to address various risk characteristics of the Company’s loan portfolio including:

· trends in delinquencies and other non-performing loans;
· changes in the risk profile related to large loans in the portfolio;
· changes in the categories of loans comprising the loan portfolio;
· concentrations of loans to specific industry segments;
· changes in economic conditions on both a local and national level;
· changes in the Company’s credit administration and loan portfolio management processes; and
· the quality of the Company’s credit risk identification processes.

 

The general component is calculated in two parts based on an internal risk classification of loans within each portfolio segment. Reserves on loans considered to be “classified” under regulatory guidance are calculated separately from loans considered to be “pass” rated under the same guidance. This segregation allows the Company to monitor the allowance component applicable to higher risk loans separate from the remainder of the portfolio in order to better manage risk and reasonably determine the sufficiency of reserves.

 

Integral to the assessment of the allowance process is an evaluation that is performed to determine whether a specific allowance on an impaired credit is warranted. For the particular loan that may have potential impairment, an appraisal will be ordered depending on the time elapsed since the prior appraisal, the loan balance and/or the result of the internal evaluation. The Company typically relies on current (12 months old or less) third party appraisals of the collateral to assist in measuring impairment. In the cases in which the Company does not rely on a third party appraisal, an internal evaluation is prepared by an approved credit officer. A current appraisal on large loans is usually obtained if the appraisal on file is more than 12 months old and there has been a material change in market conditions, zoning, physical use or the adequacy of the collateral based on an internal evaluation. The Company’s policy is to strictly adhere to regulatory appraisal standards. If an appraisal is ordered, no more than a 30 day turnaround is requested from the appraiser, who is selected by Credit Administration from an approved appraiser list. After receipt of the updated appraisal, the assigned credit officer will recommend to the Chief Credit Officer whether a specific allowance or a charge-off should be taken. When losses are confirmed, a charge-off is taken that is at least in the amount of the collateral deficiency as determined by the independent third party appraisal. Any further collateral deterioration results in either further specific reserves being established or additional charge-offs. The Chief Credit Officer has the authority to approve a specific allowance or charge-off between monthly credit committee meetings to ensure that there are no significant time lapses during this process.

 

The portion of the allowance representing specific allowances is established on individually impaired loans. As a practical expedient, for collateral dependent loans, the Company measures impairment based on the net realizable value of the underlying collateral. For loans on which the Company has not elected to use a practical expedient to measure impairment, the Company will measure impairment based on the present value of expected future cash flows discounted at the loan’s effective interest rate. In determining the cash flows to be included in the discount calculation the Company considers the following factors that combine to estimate the probability and severity of potential losses:

· the borrower’s overall financial condition;
· resources and payment record;
· demonstrated or documented support available from financial guarantors; and
· the adequacy of collateral value and the ultimate realization of that value at liquidation.

 

Management believes it uses relevant information available to make determinations about the allowance and that it has established the existing allowance in accordance with GAAP. However, the determination of the allowance requires significant judgment, and estimates of probable losses in the loan and lease portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize inherent losses, future additions to the allowance may be necessary based on changes in the loans and leases comprising the portfolio and changes in the financial condition of borrowers, such as may result from changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, and independent consultants engaged by the Company, periodically review the loan and lease portfolio and the allowance. Such review may result in additional provisions based on management’s judgments of information available at the time of each examination.

 

Premises and Equipment

Premises and equipment are stated at cost, less accumulated depreciation and amortization, computed using the straight-line method. Premises and equipment are depreciated over the useful lives of the assets, which generally range from 3 to 10 years for furniture, fixtures and equipment, 3 to 5 years for computer software and hardware, and 10 to 40 years for buildings and building improvements. Leasehold improvements are amortized over the lesser of the lease term or the estimated useful lives of the improvements. The costs of major renewals and betterments are capitalized, while the costs of ordinary maintenance and repairs are included in non-interest expense.

 

Goodwill and Other Intangible Assets

Goodwill represents the excess purchase price paid over the fair value of the net assets acquired in a business combination. Goodwill is not amortized but is tested for impairment annually or more frequently if events or changes in circumstances indicate that the asset might be impaired. Impairment testing requires that the fair value of each of the Company’s reporting units be compared to the carrying amount of the reporting unit’s net assets, including goodwill. The Company’s reporting units were identified based upon an analysis of each of its individual operating segments. If the fair values of the reporting units exceed their book values, no write-down of recorded goodwill is required. If the fair value of a reporting unit is less than book value, an expense may be required to write-down the related goodwill to the proper carrying value. Any impairment would be realized through a reduction of goodwill or the intangible and an offsetting charge to non-interest expense. The Company tests for impairment of goodwill as of October 1 of each year using September 30 data, and again at any quarter-end if any triggering events occur during a quarter that may affect goodwill. Examples of such events include, but are not limited to, adverse action by a regulator or a loss of key personnel. Determining the fair value of a reporting unit requires the Company to use a degree of subjectivity

 

Current accounting guidance provides the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. Based on the assessment of these qualitative factors, if it is determined that the fair value of a reporting unit is not less than the carrying value, then performing the two-step impairment process, previously required, is unnecessary. However, if it is determined that the carrying value exceeds the fair value the first step, described above, of the two-step process must be performed. This guidance was effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011, with early adoption permitted. The Company adopted this guidance in performing its annual impairment testing as of October 1, 2012 with respect to its community banking and investment management reporting units. With respect to its insurance reporting unit, the Company elected to engage a third-party valuation firm to determine the fair value of this reporting unit to utilize in the “step one” test for potential goodwill impairment. The company and the valuation firm determined that a combination of the income approach and the market approach were most appropriate in valuing the fair value of this unit and determined that the “step two test” for impairment was not necessary. At December 31, 2012 there was no evidence of impairment of goodwill or intangibles in any of the Company’s reporting units.

 

Other intangible assets represent purchased assets that a lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Other intangible assets have finite lives and are reviewed for impairment annually. These assets are amortized over their estimated useful lives on a straight-line basis over varying periods that initially did not exceed 15 years.

 

Other Real Estate Owned (“OREO”)

OREO is comprised of properties acquired in partial or total satisfaction of problem loans. The properties are recorded at fair value less estimated costs of disposal, on the date acquired. Gains or losses arising at the time of acquisition of such properties are charged against the allowance for loan and lease losses. During the holding period OREO continues to be measured at fair value less estimated costs of disposal, and any subsequent declines in value are expensed as incurred. Gains and losses realized from the sale of OREO, as well as valuation adjustments and expenses of operation are included in non-interest expense.

 

Derivative Financial Instruments

Derivative Loan Commitments

Mortgage loan commitments are derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. Derivative loan commitments are recognized at fair value on the consolidated statements of condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the consolidated statements of income.

 

Loan commitments at the time the commitments are issued to borrowers have no value. Subsequent to commitment date, changes in the fair value of the loan commitment are recognized based on changes in the fair value of the underlying mortgage loan due to interest rate changes, changes in the probability the derivative loan commitment will be exercised, and the passage of time. In estimating fair value, a probability is assigned to a loan commitment based on an expectation that it will be exercised and the loan will be funded.

 

Forward Loan Sale Commitments

Loan sales agreements are evaluated to determine whether they meet the definition of a derivative as facts and circumstances may differ significantly. If agreements qualify, to protect against the price risk inherent in derivative loan commitments, the Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. Mandatory delivery contracts are accounted for as derivative instruments. Generally, best efforts contracts also meet the definition of derivative instruments after the loan to the borrower has closed. Accordingly, forward loan sale commitments that economically hedge the closed loan inventory are recognized at fair value on the consolidated statements of condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the consolidated statements of income. The Company estimates the fair value of its forward loan sales commitments using a methodology similar to that used for derivative loan commitments.

 

Interest Rate Swap Agreements

The Company enters into interest rate swaps (“swaps”) with loan customers to provide a facility to mitigate the fluctuations in the variable rate on the respective loans. These swaps are matched in exact offsetting terms to swaps that the Company enters into with an outside third party. The swaps are reported at fair value in other assets or other liabilities. The Company's swaps qualify as derivatives, but are not designated as hedging instruments, thus any net gain or loss resulting from changes in the fair value is recognized in other non-interest income. Further discussion of the Company's financial derivatives is set forth Note 19 to the Consolidated Financial Statements.

 

Off-Balance Sheet Credit Risk

The Company issues financial or standby letters of credit that represent conditional commitments to fund transactions by the Company, typically to guarantee performance of a customer to a third party related to borrowing arrangements. The credit risk associated with issuing letters of credit is essentially the same as occurs when extending loan facilities to borrowers. The Company monitors the exposure to the letters of credit as part of its credit review process. Extensions of letters of credit, if any, would become part of the loan balance outstanding and would be evaluated in accordance with the Company’s credit policies. Potential exposure to loss for unfunded letters of credit if deemed necessary would be recorded in other liabilities.

 

In the ordinary course of business the Company originates and sells whole loans to a variety of investors. Mortgage loans sold are subject to representations and warranties made to the third party purchasers regarding certain attributes. Subsequent to the sale, if a material underwriting deficiency or documentation defect is determined, the Company may be obligated to repurchase the mortgage loan or reimburse the investor for losses incurred if the deficiency or defect cannot be rectified within a specific period subsequent to discovery. These representations and warranties typically exist for approximately 12 to 24 months following origination. The Company monitors the activity regarding the requirement to repurchase loans and the associated losses incurred. This information is applied to determine an estimated recourse reserve that is recorded in other liabilities.

 

Valuation of Long-Lived Assets

The Company reviews long-lived assets and certain identifiable intangible assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability is measured by a comparing the carrying amount of the asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the estimated fair value of the assets. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell.

 

Transfers of Financial Assets

Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right or from providing more than a trivial benefit to the transferor) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through any agreement to repurchase or redeem them before their maturity or likely cause a holder to return those assets whether through unilateral ability or a price so favorable to the transferee that it is probable that the transferee will require the transferor to repurchase them. Cash flows from the assets are allocated to the participating interest holders in proportion to their ownership shares. Financial assets obtained or liabilities incurred in a sale are recognized and initially measured at fair value.

 

Insurance Commissions and Fees

Commission revenue is recognized on the date the customer is billed. The Company also receives contingent commissions from insurance companies as additional incentive for achieving specified premium volume goals and/or the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are recognized when determinable, which is generally when such commissions are received.

 

Advertising Costs

Advertising costs are expensed as incurred and included in non-interest expenses.

 

Net Income (Loss) per Common Share

Basic net income (loss) per common share is derived by dividing net income (loss) available to common stockholders by the weighted-average number of common shares outstanding, and does not include the impact of any potentially dilutive common stock equivalents. The diluted net income (loss) per common share is derived by dividing net income (loss) by the weighted-average number of common shares outstanding, adjusted, if applicable, for the dilutive effect of outstanding stock options as well as any adjustment to income that would result from the assumed issuance. Dilutive shares are determined using the treasury stock method. Dilutive common stock equivalents are excluded from the computation of dilutive net income (loss) per common share if the result would be anti-dilutive.

 

Income Taxes

Income tax expense (benefit) is based on the results of operations, adjusted for permanent differences between items of income or expense reported in the financial statements and those reported for tax purposes. Deferred income tax assets and liabilities are determined using the liability method. Under the liability method, deferred income taxes are determined based on the differences between the financial statement carrying amounts and the income tax bases of assets and liabilities and are measured at the enacted tax rates that will be in effect when these differences reverse.

 

The Company’s policy is to recognize interest and penalties on income taxes in other non-interest expenses. The Company remains subject to examination for income tax returns for the years ending after December 31, 2007.

 

Adopted Accounting Pronouncements

In June 2011, the FASB issued a standard that requires comprehensive income to be reported in either a single statement or two consecutive statements reporting net income and other comprehensive income. The guidance does not alter the items that are reported in other comprehensive income or require reclassification of items from other comprehensive income to net income. This guidance should be applied retrospectively and is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. The Company has opted to present comprehensive income in two consecutive statements. This guidance did not have any impact on the financial position, results of operations or cash flows of the Company as it only affects the presentation of the information in the financial statements.

 

The FASB issued a standard in April 2011 that removed from the assessment of effective control the criterion relating to the transferor’s ability to repurchase or redeem financial assets on substantially the agreed terms, even in the event of default by the transferee, as the criterion is not a determining factor of effective control. This guidance is effective for the first interim or annual period beginning on or after December 15, 2011. This guidance did not have a material impact on the financial position, results of operations or cash flows of the Company.

 

In May 2011, the FASB issued guidance on fair value that applies to all entities that measure assets, liabilities or instruments classified in stockholders’ equity at fair value or provide fair value disclosures for items not recorded at fair value. The guidance clarifies how a principal market is determined, addresses the fair value measurement of instruments with offsetting market or counterparty credit risk and the concept of valuation premise and highest and best use, extends the prohibition of blockage factors to all three levels of the fair value hierarchy, and requires additional disclosures. This guidance is effective for interim and annual periods beginning after December 15, 2011. Differences in fair value measurement resulting from the application of the guidance will be recognized in income in the period of adoption as a change in estimate. Disclosure requirements will be recognized prospectively. Changes in valuation techniques and related inputs as a result of the application of the guidance in addition to an estimate of the total effect of the changes, if practicable, will be disclosed in the period of adoption. The application of this guidance did not have a significant impact on the financial position, results of operations or cash flows of the Company.
XML 56 R116.htm IDEA: XBRL DOCUMENT v2.4.0.6
Benefit payments, which reflect expected future service (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Schedule Of Defined Benefit Plan Estimated Future Benefit Payments [Line Items]  
2013 $ 583
2014 689
2015 743
2016 867
2017 955
2018-2022 $ 5,570
XML 57 R62.htm IDEA: XBRL DOCUMENT v2.4.0.6
Amortized Cost and Estimated Fair Values of Investments Available-for-sale (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Schedule of Available-for-sale Securities [Line Items]    
Estimated Fair Value $ 824,859 $ 951,201
Available-for-Sale Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 791,889 918,027
Gross Unrealized Gains 34,160 33,791
Gross Unrealized Losses (467) (517)
Estimated Fair Value 825,582 951,301
Available-for-Sale Securities | Marketable Equity Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 723 100
Gross Unrealized Gains 0 0
Gross Unrealized Losses 0 0
Estimated Fair Value 723 100
Available-for-Sale Securities | Debt Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 791,166 917,927
Gross Unrealized Gains 34,160 33,791
Gross Unrealized Losses (467) (517)
Estimated Fair Value 824,859 951,201
Available-for-Sale Securities | Debt Securities | U.S. Government Agencies
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 155,442 197,816
Gross Unrealized Gains 1,084 2,436
Gross Unrealized Losses (98) 0
Estimated Fair Value 156,428 200,252
Available-for-Sale Securities | Debt Securities | State and Municipal
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 160,496 160,657
Gross Unrealized Gains 13,996 12,456
Gross Unrealized Losses (1) (2)
Estimated Fair Value 174,491 173,111
Available-for-Sale Securities | Debt Securities | Mortgage-Backed
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 471,527 551,518
Gross Unrealized Gains 19,080 18,639
Gross Unrealized Losses (128) (13)
Estimated Fair Value 490,479 570,144
Available-for-Sale Securities | Debt Securities | Corporate Debt
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 2,000 2,000
Gross Unrealized Gains 0 0
Gross Unrealized Losses (4) (22)
Estimated Fair Value 1,996 1,978
Available-for-Sale Securities | Debt Securities | Trust Preferred
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 1,701 5,936
Gross Unrealized Gains 0 260
Gross Unrealized Losses (236) (480)
Estimated Fair Value $ 1,465 $ 5,716
XML 58 R128.htm IDEA: XBRL DOCUMENT v2.4.0.6
Assets Measured at Fair Value on Nonrecurring Basis (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis $ 49,550 $ 64,215
Total Losses (6,918) (6,351)
Impaired Loans
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 43,624 59,784
Total Losses (6,730) (5,565)
Other Real Estate Owned
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 5,926 4,431
Total Losses (188) (786)
Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 0 0
Total Losses 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Real Estate Owned
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 0 0
Total Losses 0 0
Significant Other Observable Inputs (Level 2) | Impaired Loans
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 0 0
Total Losses 0 0
Significant Other Observable Inputs (Level 2) | Other Real Estate Owned
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 0 0
Total Losses 0 0
Significant Unobservable Inputs (Level 3)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 49,550 64,215
Total Losses 0 0
Significant Unobservable Inputs (Level 3) | Impaired Loans
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 43,624 59,784
Total Losses 0 0
Significant Unobservable Inputs (Level 3) | Other Real Estate Owned
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair value adjustments (impairment) on nonrecurring basis 5,926 4,431
Total Losses $ 0 $ 0
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Quarterly Financial Results (Unaudited) (Detail) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Schedule Of Quarterly Financial Information Disclosure [Line Items]      
Interest income $ 143,870 $ 139,470 $ 148,349
Interest expense 22,651 26,524 32,742
Net interest income 121,219 112,946 115,607
Provision for (credit) loan and lease losses 3,649 1,428 25,908
Noninterest income 46,956 43,500 43,782
Noninterest expenses 109,927 105,071 100,912
Income before income taxes 54,599 49,947 32,569
Income tax expense 18,045 15,845 9,049
Net income 36,554 34,102 23,520
Basic net income per share $ 1.49 $ 1.42 $ 1.05
Diluted net income per share $ 1.48 $ 1.41 $ 1.05
First Quarter
      
Schedule Of Quarterly Financial Information Disclosure [Line Items]      
Interest income 34,615 34,750  
Interest expense 5,910 6,740  
Net interest income 28,705 28,010  
Provision for (credit) loan and lease losses 664 1,515  
Noninterest income 10,974 9,992  
Noninterest expenses 26,683 26,062  
Income before income taxes 12,332 10,425  
Income tax expense 3,856 3,134  
Net income 8,476 7,291  
Basic net income per share $ 0.35 $ 0.30  
Diluted net income per share $ 0.35 $ 0.30  
Second Quarter
      
Schedule Of Quarterly Financial Information Disclosure [Line Items]      
Interest income 35,558 35,008  
Interest expense 5,749 6,854  
Net interest income 29,809 28,154  
Provision for (credit) loan and lease losses 1,585 1,151  
Noninterest income 11,493 10,802  
Noninterest expenses 28,858 25,838  
Income before income taxes 10,859 11,967  
Income tax expense 3,652 3,671  
Net income 7,207 8,296  
Basic net income per share $ 0.30 $ 0.34  
Diluted net income per share $ 0.30 $ 0.34  
Third Quarter
      
Schedule Of Quarterly Financial Information Disclosure [Line Items]      
Interest income 37,495 35,004  
Interest expense 5,710 6,674  
Net interest income 31,785 28,330  
Provision for (credit) loan and lease losses 232 (3,520)  
Noninterest income 12,242 11,336  
Noninterest expenses 27,167 25,848  
Income before income taxes 16,628 17,338  
Income tax expense 5,638 6,081  
Net income 10,990 11,257  
Basic net income per share $ 0.44 $ 0.47  
Diluted net income per share $ 0.44 $ 0.47  
Fourth Quarter
      
Schedule Of Quarterly Financial Information Disclosure [Line Items]      
Interest income 36,202 34,708  
Interest expense 5,282 6,256  
Net interest income 30,920 28,452  
Provision for (credit) loan and lease losses 1,168 2,282  
Noninterest income 12,247 11,370  
Noninterest expenses 27,219 27,323  
Income before income taxes 14,780 10,217  
Income tax expense 4,899 2,959  
Net income $ 9,881 $ 7,258  
Basic net income per share $ 0.40 $ 0.30  
Diluted net income per share $ 0.40 $ 0.30  

XML 61 R43.htm IDEA: XBRL DOCUMENT v2.4.0.6
SHARE BASED COMPENSATION (Tables)
 12 Months Ended
Dec. 31, 2012
Share-Based Compensation [Abstract]  
Fair Values of all Options Granted Estimated Using Binomial Option-Pricing Model with Weighted-average Assumptions

The fair values of all of the options granted for the periods indicated have been estimated using a binomial option-pricing model with the weighted-average assumptions for the years ended December 31 are presented in the following table:

 

    Year Ended December 31,  
    2012     2011     2010  
Dividend yield     2.17 %     1.72 %     0.27 %
Weighted average expected volatility     50.90 %     46.87 %     45.06 %
Weighted average risk-free interest rate     1.14 %     2.58 %     2.91 %
Weighted average expected lives (in years)     5.35       5.70       5.83  
Weighted average grant-date fair value   $ 7.85     $ 7.76     $ 6.65  
Summary of share option activity

A summary of share option activity for the period indicated is reflected in the following table:

 

                Weighted        
    Number     Weighted     Average     Aggregate  
    of     Average     Contractual     Intrinsic  
    Common     Exercise     Remaining     Value  
    Shares     Share Price     Life(Years)     (in thousands)  
Balance at January 1, 2012     635,197     $ 31.42             $ 406  
Granted     20,633     $ 19.02             $ 8  
Exercised     (3,906 )   $ 13.00             $ 23  
Forfeited or expired     (211,471 )   $ 35.24             $ 33  
Balance at December 31, 2012     440,453     $ 29.17       2.5     $ 557  
                                 
Exercisable at December 31, 2012     386,037     $ 30.73       2.1     $ 484  
                                 
Weighted average fair value of options granted during the year           $ 7.85                  

 
Summary of Activity for Company's Non-Vested Options

A summary of the activity for the Company’s non-vested options for the period indicated is presented in the following table:

 

          Weighted  
          Average  
    Number     Grant-Date  
(In dollars, except share data):   of Shares     Fair Value  
Non-vested options at January 1, 2012     79,640     $ 6.33  
Granted     20,633     $ 7.85  
Vested     (42,147 )   $ 5.44  
Forfeited or expired     (3,710 )   $ 6.80  
Non-vested options at December 31, 2012     54,416     $ 7.56  
Summary of Activity for Company's Restricted Stock

A summary of the activity for the Company’s restricted stock for the period indicated is presented in the following table:

 

          Weighted  
          Average  
    Number     Grant-Date  
(In dollars, except share data):   of Shares     Fair Value  
Restricted stock at January 1, 2012     206,313     $ 16.37  
Granted     83,807     $ 19.02  
Vested     (59,365 )   $ 16.16  
Forfeited or expired     (6,750 )   $ 16.83  
Restricted stock at December 31, 2012     224,005     $ 17.40  
XML 62 R29.htm IDEA: XBRL DOCUMENT v2.4.0.6
FAIR VALUE
 12 Months Ended
Dec. 31, 2012
Fair Value Disclosures [Abstract]  
Fair Value

Note 21 – Fair Value

Generally accepted accounting principles provide entities the option to measure eligible financial assets, financial liabilities and commitments at fair value (i.e. the fair value option), on an instrument-by-instrument basis, that are otherwise not permitted to be accounted for at fair value under other accounting standards. The election to use the fair value option is available when an entity first recognizes a financial asset or financial liability or upon entering into a commitment. Subsequent changes in fair value must be recorded in earnings. The Company applies the fair value option on residential mortgage loans held for sale. The fair value option on residential mortgage loans allows the recognition of gains on sale of mortgage loans to more accurately reflect the timing and economics of the transaction.

 

The standard for fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below.

 

Basis of Fair Value Measurement:

Level 1- Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;

Level 2- Quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability;

Level 3- Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported by little or no market activity). Changes to interest rates may result in changes in the cash flows due to prepayments or extinguishments. Accordingly, this could result in higher or lower measurements of the fair values.

 

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

 

Assets and Liabilities

Mortgage loans held for sale

Mortgage loans held for sale are valued based on quotations from the secondary market for similar instruments and are classified as Level 2 of the fair value hierarchy.

 

Investments available-for-sale

U.S. government agencies, mortgage-backed securities and corporate debt

Valuations are based on active market data and use of evaluated broker pricing models that vary based by asset class and includes available trade, bid, and other market information. Generally, the methodology includes broker quotes, proprietary models, descriptive terms and conditions databases coupled with extensive quality control programs. Multiple quality control evaluation processes review available market, credit and deal level information to support the evaluation of the security. If there is a lack of objectively verifiable information available to support the valuation, the evaluation of the security is discontinued. Additionally, proprietary models and pricing systems, mathematical tools, actual transacted prices, integration of market developments and experienced evaluators are used to determine the value of a security based on a hierarchy of market information regarding a security or securities with similar characteristics. The Company does not adjust the quoted price for such securities. Such instruments are generally classified within Level 2 of the fair value hierarchy.

 

State and municipal securities

Proprietary valuation matrices are used for valuing all tax-exempt municipals that can incorporate changes in the municipal market as they occur. Market evaluation models include the ability to value bank qualified municipals and general market municipals that can be broken down further according to insurer, credit support, state of issuance and rating to incorporate additional spreads and municipal curves. Taxable municipals are valued using a third party model that incorporates a methodology that captures the trading nuances associated with these bonds. Such instruments are generally classified within Level 2 of the fair value hierarchy.

  

Trust preferred securities

In active markets, these types of instruments are valued based on quoted market prices that are readily accessible at the measurement date and are classified within Level 1 of the fair value hierarchy. Positions that are not traded in active markets or are subject to transfer restrictions are valued or adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management uses a process that employs certain assumptions to determine the present value. For further information, refer to Note 2 – Investments. Positions that are not traded in active markets or are subject to transfer restrictions are classified within Level 3 of the fair value hierarchy.

 

Interest rate swap agreements

Interest rate swap agreements are measured by alternative pricing sources with reasonable levels of price transparency in markets that are not active. Based on the complex nature of interest rate swap agreements, the markets these instruments trade in are not as efficient and are less liquid than that of the more mature Level 1 markets. These markets do however have comparable, observable inputs in which an alternative pricing source values these assets in order to arrive at a fair market value. These characteristics classify interest rate swap agreements as Level 2.

  

Assets Measured at Fair Value on a Recurring Basis

The following tables set forth the Company’s financial assets and liabilities at the December 31 for the years indicated that were accounted for or disclosed at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement:

 

    2012  
(In thousands)   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)		     Significant Other
Observable Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		     Total  
Assets                                
Residential mortgage loans held for sale   $ -     $ 36,149     $ -     $ 36,149  
Investments available-for-sale:                                
U.S. government agencies     -       156,428       -       156,428  
State and municipal     -       174,491       -       174,491  
Mortgage-backed     -       490,479       -       490,479  
Corporate debt     -       1,996       -       1,996  
Trust preferred     -       -       1,465       1,465  
Marketable equity securities     -       723       -       723  
Interest rate swap agreements     -       1,280       -       1,280  
                                 
Liabilities                                
Interest rate swap agreements   $ -     $ (1,280 )   $ -     $ (1,280 )

 

    2011  
(In thousands)   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)		     Significant Other
Observable Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		     Total  
Assets                                
Residential mortgage loans held for sale   $ -     $ 25,341     $ -     $ 25,341  
Investments available-for-sale:                                
U.S. government agencies     -       200,252       -       200,252  
State and municipal     -       173,111       -       173,111  
Mortgage-backed     -       570,144       -       570,144  
Corporate debt     -       1,978       -       1,978  
Trust preferred     3,249       -       2,467       5,716  
Marketable equity securities     -       100       -       100  
Interest rate swap agreements     -       1,529       -       1,529  
                                 
Liabilities                                
Interest rate swap agreements   $ -     $ (1,529 )   $ -     $ (1,529 )

 

 

The following table provides unrealized losses included in assets measured in the Consolidated Statements of Condition at fair value on a recurring basis for the periods indicated:

    Significant
Unobservable
Inputs		  
(In thousands)   (Level 3)  
Investments available-for-sale:        
Balance at January 1, 2012   $ 2,467  
Total OTTI included in earnings     (109 )
Principal redemption     (1,134 )
Total unrealized losses included in other comprehensive income (loss)     241  
Balance at December 31, 2012   $ 1,465  

 

Assets Measured at Fair Value on a Nonrecurring Basis

The following table sets forth the Company’s financial assets subject to fair value adjustments (impairment) on a nonrecurring basis at December 31 for the year indicated that are valued at the lower of cost or market. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement:

 

    2012  
(In thousands)   Quoted Prices in
Active Markets
for Identical
Assets (Level 1)		     Significant
Other
Observable
Inputs (Level 2)		     Significant
Unobservable
Inputs (Level 3)		     Total     Total Losses  
Impaired loans   $ -     $ -     $ 43,624     $ 43,624     $ (6,730 )
Other real estate owned     -       -       5,926       5,926       (188 )
Total   $ -     $ -     $ 49,550     $ 49,550     $ (6,918 )

 

    2011  
(In thousands)   Quoted Prices in
Active Markets
for Identical
Assets (Level 1)		     Significant Other
Observable
Inputs (Level 2)		     Significant
Unobservable
Inputs (Level 3)		     Total     Total Losses  
Impaired loans   $ -     $ -     $ 59,784     $ 59,784     $ (5,565 )
Other real estate owned     -       -       4,431       4,431       (786 )
Total   $ -     $ -     $ 64,215     $ 64,215     $ (6,351 )

 

At December 31, 2012, impaired loans totaling $48.8 million were written down to fair value of $43.6 million as a result of specific loan loss allowances of $5.2 million associated with the impaired loans which was included in the allowance for loan losses. Impaired loans totaling $67.6 million were written down to fair value of $59.8 million at December 31, 2011 as a result of specific loan loss allowances of $7.8 million associated with the impaired loans.

 

Loan impairment is measured using the present value of expected cash flows, the loan’s observable market price or the fair value of the collateral (less selling costs) if the loans are collateral dependent and are classified at a Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable. The value of business equipment, inventory and accounts receivable collateral is based on net book value on the business’ financial statements and, if necessary, discounted based on management’s review and analysis. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and client’s business. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the factors identified above. Valuation techniques are consistent with those techniques applied in prior periods.

 

Other real estate owned (“OREO”) is adjusted to fair value upon transfer of the loans to OREO. Subsequently, OREO is carried at the lower of carrying value or fair value. The estimated fair value for other real estate owned included in Level 3 is determined by independent market based appraisals and other available market information, less cost to sell, that may be reduced further based on market expectations or an executed sales agreement. If the fair value of the collateral deteriorates subsequent to initial recognition, the Company records the OREO as a non-recurring Level 3 adjustment. Valuation techniques are consistent with those techniques applied in prior periods.

 

Fair Value of Financial Instruments

The Company discloses fair value information about financial instruments for which it is practicable to estimate the value, whether or not such financial instruments are recognized on the balance sheet. Fair value is the amount at which a financial instrument could be exchanged in a current transaction between willing parties, other than in a forced sale or liquidation, and is best evidenced by a quoted market price, if one exists.

 

Quoted market prices, where available, are shown as estimates of fair market values. Because no quoted market prices are available for a significant portion of the Company's financial instruments, the fair value of such instruments has been derived based on the amount and timing of future cash flows and estimated discount rates.

 

Present value techniques used in estimating the fair value of many of the Company's financial instruments are significantly affected by the assumptions used. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate cash settlement of the instrument. Additionally, the accompanying estimates of fair values are only representative of the fair values of the individual financial assets and liabilities, and should not be considered an indication of the fair value of the Company.

 

The carrying amounts and fair values of the Company’s financial instruments at December 31 for the year indicated are presented in the following table:

                Fair Value Measurements  
    2012     Quoted Prices in              
          Estimated     Active Markets for     Significant Other     Significant  
    Carrying     Fair     Identical Assets     Observable Inputs     Unobservable Inputs  
(In thousands)   Amount     Value     (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Investments held-to-maturity and other equity securities   $ 249,450     $ 255,660     $ -     $ 255,660     $ -  
Loans, net of allowance     2,488,171       2,453,314       -       -       2,453,314  
Other assets     83,714       83,714       -       83,714       -  
                                         
Financial Liabilities                                        
Time Deposits   $ 524,820     $ 528,074     $ -     $ 528,074     $ -  
Securities sold under retail repurchase agreements and federal funds purchased     86,929       86,929       -       86,929       -  
Advances from FHLB     405,058       451,408       -       451,408       -  
Subordinated debentures     35,000       9,919       -       -       9,919  

 

                Fair Value Measurements  
    2011     Quoted Prices in              
          Estimated     Active Markets for     Significant Other     Significant  
    Carrying     Fair     Identical Assets     Observable Inputs     Unobservable Inputs  
(In thousands)   Amount     Value     (Level 1)     (Level 2)     (Level 3)  
Financial Assets                                        
Investments held-to-maturity and other equity securities   $ 213,398     $ 219,100     $ -     $ 219,100     $ -  
Loans, net of allowance     2,190,266       2,276,333       -       -       2,276,333  
Other assets     81,098       81,098       -       81,098       -  
                                         
Financial Liabilities                                        
Time Deposits   $ 584,321     $ 588,818     $ -     $ 588,818     $ -  
Securities sold under retail repurchase agreements and federal funds purchased     143,613       143,613       -       143,613       -  
Advances from FHLB     405,408       452,378       -       452,378       -  
Subordinated debentures     35,000       9,810       -       -       9,810  

 

The following methods and assumptions were used to estimate the fair value of each category of financial instruments for which it is practicable to estimate that value:

 

Cash and Temporary Investments: The carrying amounts of cash and cash equivalents approximate their fair value and have been excluded from the table above.

 

Investments: The fair value of marketable securities is based on quoted market prices, prices quoted for similar instruments, and prices obtained from independent pricing services.

 

Loans: For certain categories of loans, such as mortgage, installment and commercial loans, the fair value is estimated by discounting the expected future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and similar remaining maturities. Expected cash flows were projected based on contractual cash flows, adjusted for estimated prepayments.

 

Accrued interest receivable: The carrying value of accrued interest receivable approximates fair value due to the short-term duration and has been excluded from the table above.

 

Other assets: The investment in bank-owned life insurance represents the cash surrender value of the policies at December 31, 2012 and 2011, respectively, as determined by the each insurance carrier. The carrying value of accrued interest receivable approximates fair values due to the short-term duration.

 

Deposits: The fair value of demand, money market savings and regular savings deposits, which have no stated maturity, were considered equal to their carrying amount, representing the amount payable on demand. While management believes that the Bank’s core deposit relationships provide a relatively stable, low-cost funding source that has a substantial intangible value separate from the value of the deposit balances, these estimated fair values do not include the intangible value of core deposit relationships, which comprise a significant portion of the Bank’s deposit base.

 

Short-term borrowings: The carrying values of short-term borrowings, including overnight, securities sold under agreements to repurchase and federal funds purchased approximates the fair values due to the short maturities of those instruments.

 

Long-term borrowings: The fair value of the Federal Home Loan Bank of Atlanta advances and subordinated debentures was estimated by computing the discounted value of contractual cash flows payable at current interest rates for obligations with similar remaining terms. The Company's credit risk is not material to calculation of fair value because these borrowings are collateralized. The Company classifies advances from the Federal Home Loan Bank of Atlanta within Level 2 of the fair value hierarchy since the fair value of such borrowings is based on rates currently available for borrowings with similar terms and remaining maturities. Subordinated debentures are classified as Level 3 in the fair value hierarchy due to the lack of market activity of such instruments.

 

Accrued interest payable: The carrying value of accrued interest payable approximates fair value due to the short-term duration and has been excluded from the table above.
XML 63 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
LITIGATION
 12 Months Ended
Dec. 31, 2012
Commitments and Contingencies Disclosure [Abstract]  
Litigation

Note 20 – Litigation

The Company and its subsidiaries are subject in the ordinary course of business to various pending or threatened legal proceedings in which claims for monetary damages are asserted. After consultation with legal counsel, management does not anticipate that the ultimate liability, if any, arising out of these matters will have a material adverse effect on the Company's financial condition, operating results or liquidity.
XML 64 R100.htm IDEA: XBRL DOCUMENT v2.4.0.6
Subordinated Debentures - Additional Information (Detail) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Jul. 07, 2009
Aug. 10, 2004
Subordinated Debentures [Line Items]      
Trust preferred securities issued     $ 35
Subordinated debt fixed interest rate   6.35%  
Subordinated debt variable interest rate description 225 basis points over the three month Libor    
Subordinated debt interest rate 2.59%    
Subordinated debt maturity date Oct. 07, 2024    
XML 65 R56.htm IDEA: XBRL DOCUMENT v2.4.0.6
Acquisition - Additional Information (Detail) (USD $)
 12 Months Ended 1 Months Ended
Dec. 31, 2012
Dec. 31, 2011
May 31, 2012
CommerceFirst Bancorp, inc.
Business Acquisition, Pro Forma Information, Nonrecurring Adjustment [Line Items]      
Business acquisition, percentage of common stock acquired     100.00%
Business acquisition percentage of common stock acquired in exchange of common stock     50.00%
Business acquisition, percentage of common stock acquired in exchange of cash     50.00%
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares     732,054
Business Acquisition, Cost of Acquired Entity, Cash Paid     $ 12,381,000
Business acquisition, cash consideration Paid Per Share     $ 13.60
Business Acquisition, Purchase Price Allocation, Assets Acquired     187,977,000
Business Acquisition Purchase Price Allocation Loans Receivable     165,762,000
Business Acquisition, Purchase Price Allocation, Liabilities Assumed     170,565,000
Business Acquisition Purchase Price Allocation Liabilities Assumed Deposits     169,921,000
Business acquisition, addition to Company's equity     13,000,000
Business Acquisition, Purchase Price Allocation, Goodwill Amount 7,992,000   8,000,000
Business acquisition, pro forma revenue, net of interest expense 172,900,000 167,700,000  
Business acquisition, pro forma net income $ 37,100,000 $ 35,900,000  
XML 66 R44.htm IDEA: XBRL DOCUMENT v2.4.0.6
PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS (Tables)
 12 Months Ended
Dec. 31, 2012
Pension Profit Sharing and Other Employee Benefit Plans [Abstract]  
The Plan's Funded Status

The Plan’s funded status at December 31 is as follows:

 

(In thousands)   2012     2011  
Reconciliation of Projected Benefit Obligation:                
Projected obligation at January 1   $ 32,387     $ 30,633  
Interest cost     1,534       1,541  
Actuarial loss     137       360  
Benefit payments     (702 )     (1,484 )
Increase related to discount rate change     5,483       1,337  
Projected obligation at December 31     38,839       32,387  
Reconciliation of Fair Value of Plan Assets:                
Fair value of plan assets at January 1     29,341       26,839  
Actual return on plan assets     1,951       986  
Contribution     -       3,000  
Benefit payments     (702 )     (1,484 )
Fair value of plan assets at December 31     30,590       29,341  
                 
Funded status at December 31   $ (8,249 )   $ (3,046 )
                 
Accumulated benefit obligation at December 31   $ 38,839     $ 32,387  
                 
Unrecognized net actuarial loss   $ 14,879     $ 11,240  
Net periodic pension cost not yet recognized   $ 14,879     $ 11,240  
Weighted-Average Assumptions Used To Determine Benefit Obligations

Weighted-average assumptions used to determine benefit obligations at December 31 are presented in the following table:

 

    2012     2011     2010  
Discount rate     4.00 %     4.75 %     5.00 %
Rate of compensation increase     N/A       N/A       N/A  
Net Periodic Benefit Cost

The components of net periodic benefit cost for the years ended December 31 are presented in the following table:

 

(In thousands)   2012     2011     2010  
Interest cost on projected benefit obligation   $ 1,534     $ 1,541     $ 1,490  
Expected return on plan assets     (1,165 )     (1,070 )     (1,201 )
Recognized net actuarial loss     1,194       1,159       1,156  
Net periodic benefit cost   $ 1,563     $ 1,630     $ 1,445  
Weighted-Average Assumptions Used To Determine Net Periodic Benefit Cost

Weighted-average assumptions used to determine net periodic benefit cost for years ended December 31 are presented in the following table:

 

    2012     2011     2010  
Discount rate     4.75 %     5.00 %     5.00 %
Expected return on plan assets     4.00 %     4.50 %     4.50 %
Rate of compensation increase     N/A       N/A       N/A  
Components Of Net Unrecognized Benefits Costs That Is Reflected In Accumulated Other Comprehensive Income (Loss)

The following table reflects the components of the net unrecognized benefits costs that is reflected in accumulated other comprehensive income (loss) for the periods indicated. Additions represent the growth in the unrecognized actuarial loss during the period. Reductions represent the portion of the unrecognized benefits that are recognized each period as a component of the net periodic benefit cost.

 

    Unrecognized  
    Net  
(In thousands)   Gain/(Loss)  
Included in accumulated other comprehensive income (loss) at January 1, 2010   $ 10,806  
Additions during the year     968  
Reclassifications due to recognition as net periodic pension cost     (1,156 )
Included in accumulated other comprehensive income (loss) as of December 31, 2010     10,618  
Additions during the year     443  
Reclassifications due to recognition as net periodic pension cost     (1,159 )
Increase related to change in discount rate assumption     1,337  
Included in accumulated other comprehensive income (loss) as of December 31, 2011     11,239  
Additions during the year     (649 )
Reclassifications due to recognition as net periodic pension cost     (1,194 )
Increase related to change in discount rate assumption     5,483  
Included in accumulated other comprehensive income (loss) as of December 31, 2012     14,879  
Applicable tax effect     (5,933 )
Included in accumulated other comprehensive income (loss) net of tax effect at December 31, 2012   $ 8,946  
         
Amount expected to be recognized as part of net periodic pension cost in the next fiscal year   $ 1,350  
Component of Net Periodic Benefit

The following items have not yet been recognized as a component of net periodic benefit cost at December 31:

 

(In thousands)   2012     2011     2010  
Net actuarial loss   $ (14,879 )   $ (11,240 )   $ (10,618 )
Net periodic benefit cost not yet recognized   $ (14,879 )   $ (11,240 )   $ (10,618 )
Pension Plan Weighted Average Allocations

The Company’s pension plan weighted average allocations at December 31 are presented in the following table:

 

    2012     2011  
Asset Category:                
Cash and certificates of deposit     11.1 %     27.1 %
Equity Securities:     58.5       39.3  
Debt Securities     30.4       33.6  
Total pension plan sssets     100.0 %     100.0 %
Fair Values Of Pension Plan Assets By Asset Category

The fair values of the Company’s pension plan assets by asset category at December 31 are presented in the following tables:

 

    2012  
    Quoted Prices in     Significant Other     Significant        
    Active Markets for     Observable     Unobservable        
    Identical Assets     Inputs     Inputs        
(In thousands)   (Level 1)     (Level 2)     (Level 3)     Total  
Asset Category:                                
Cash and certificates of deposit   $ 3,253     $ -     $ -     $ 3,253  
Equity Securities:                                
Industrials     2,676       -       -       2,676  
Financials     2,353                       2,353  
Telecommunication services     1,121       -       -       1,121  
Consumer     3,515       -       -       3,515  
Health care     1,900       -       -       1,900  
Information technology     2,328       -       -       2,328  
Energy     2,645       -       -       2,645  
Materials     1,207       -       -       1,207  
Other     156       -       -       156  
Total equity securities     17,901       -       -       17,901  
Fixed income securities:                                
U. S. Government Agencies     -       -       -       -  
Corporate bonds     -       9,283       -       9,283  
Other     153       -       -       153  
Total pension plan sssets   $ 21,307     $ 9,283     $ -     $ 30,590  

 

    2011  
    Quoted Prices in     Significant Other     Significant        
    Active Markets for     Observable     Unobservable        
    Identical Assets     Inputs     Inputs        
(In thousands)   (Level 1)     (Level 2)     (Level 3)     Total  
Asset Category:                                
Cash and certificates of deposit   $ 7,815     $ -     $ -     $ 7,815  
Equity Securities:                                
Industrials     1,064       -       -       1,064  
Financials     1,669                       1,669  
Telecommunication services     765       -       -       765  
Consumer     3,429       -       -       3,429  
Health care     1,594       -       -       1,594  
Information technology     1,416       -       -       1,416  
Energy     811       -       -       811  
Other     775       -       -       775  
Total equity securities     11,523       -       -       11,523  
Fixed income securities:                                
U. S. Government Agencies     -       619       -       619  
Corporate bonds     -       9,251       -       9,251  
Other     133       -       -       133  
Total pension plan sssets   $ 19,471     $ 9,870     $ -     $ 29,341  
Benefit Payments

Benefit payments, which reflect expected future service, as appropriate, that are expected to be paid for the years ending December 31 are presented in the following table:

 

    Pension  
(In thousands)   Benefits  
2013   $ 583  
2014     689  
2015     743  
2016     867  
2017     955  
2018-2022     5,570

 
XML 67 R30.htm IDEA: XBRL DOCUMENT v2.4.0.6
PARENT COMPANY FINANCIAL INFOMATION
 12 Months Ended
Dec. 31, 2012
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]  
Parent Company Financial Information

Note 22 – Parent Company Financial Information

Financial statements for Sandy Spring Bancorp, Inc. (Parent Only) for the periods indicated are presented in the following tables:

 

Statements of Condition

    December 31,  
(In thousands)   2012     2011  
Assets                
Cash and cash equivalents   $ 10,035     $ 8,326  
Investments available for sale (at fair value)     723       100  
Investment in subsidiary     472,938       424,965  
Loan to subsidiary     35,000       35,000  
Dividend receivable from subsidiary     -       13,000  
Other assets     338       327  
Total assets   $ 519,034     $ 481,718  
                 
Liabilities                
Subordinated debentures   $ 35,000     $ 35,000  
Accrued expenses and other liabilities     522       609  
Total liabilities     35,522       35,609  
Stockholders’ Equity                
Common stock     24,905       24,091  
Additional paid in capital     191,689       177,828  
Retained earnings     255,606       230,942  
Accumulated other comprehensive loss     11,312       13,248  
Total stockholders’ equity     483,512       446,109  
Total liabilities and stockholders’ equity   $ 519,034     $ 481,718  

 

Statements of Income

    Year Ended December 31,  
(In thousands)   2012     2011     2010  
Income:                        
Cash dividends from subsidiary   $ 12,028     $ 21,339     $ -  
Other income     982       945       1,191  
Total income     13,010       22,284       1,191  
Expenses:                        
Interest     959       913       940  
Other expenses     1,003       784       911  
Total expenses     1,962       1,697       1,851  
Income (loss) before income taxes and equity in undistributed income (loss) of subsidiary     11,048       20,587       (660 )
Income tax benefit     (221 )     (210 )     (167 )
Income (loss) before equity in undistributed income (loss) of subsidiary     11,269       20,797       (493 )
Equity in undistributed income of subsidiary     25,285       13,305       24,013  
Net income     36,554       34,102       23,520  
Preferred stock dividends and discount accretion     -       -       6,149  
Net income available to common shareholders   $ 36,554     $ 34,102     $ 17,371  

 

Statements of Cash Flows

    Year Ended December 31,  
(In thousands)   2012     2011     2010  
Cash Flows from Operating Activities:                        
Net income   $ 36,554     $ 34,102     $ 23,520  
Adjustments to reconcile net income to net cash provided by operating activities:                        
Equity in undistributed income-subsidiary     (25,285 )     (13,305 )     (24,013 )
Dividends receivable from subsidiary bank             (13,000 )     -  
Share based compensation expense     1,451       1,207       904  
Net change in other liabilities     (158 )     (184 )     43  
Decrease in dividends receivable     13,000                  
Other-net     (10,804 )     (87 )     14  
Net cash provided by operating activities     14,758       8,733       468  
Cash Flows from Investing Activities:                        
Purchase of investment available-for-sale     (511 )     -       -  
Acquistion of business activity, net of cash acquired     (849 )     -       -  
Net cash used by investing activities     (1,360 )     -       -  
Cash Flows from Financing Activities:                        
Redemption of preferred stock     -       -       (83,094 )
Redemption of stock warrant     -       (4,449 )     -  
Proceeds from issuance of common stock     99       314       96,464  
Tax benefit from stock options exercised     102       91       201  
Repurchase of common stock     -       (334 )     -  
Dividends paid     (11,890 )     (8,259 )     (4,563 )
Net cash provided (used) by financing activities     (11,689 )     (12,637 )     9,008  
Net increase (decrease) in cash and cash equivalents     1,709       (3,904 )     9,476  
Cash and cash equivalents at beginning of year     8,326       12,230       2,754  
Cash and cash equivalents at end of year   $ 10,035     $ 8,326     $ 12,230  

 
XML 68 R31.htm IDEA: XBRL DOCUMENT v2.4.0.6
REGULATORY MATTERS
 12 Months Ended
Dec. 31, 2012
Banking and Thrift [Abstract]  
Regulatory Capital Requirements under Banking Regulations [Text Block]

Note 23 – Regulatory Matters

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company and the Bank's capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

Quantitative measures established and defined by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. As of December 31, 2012 and 2011, the capital levels of the Company and the Bank substantially exceeded all applicable capital adequacy requirements.

 

As of December 31, 2012, the most recent notification from the Bank’s primary regulator categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since that notification that management believes have changed the Bank's category.

 

The Company's and the Bank's actual capital amounts and ratios at December 31 for the year indicated are presented in the following table:

 

                            To Be Well  
                            Capitalized Under  
                For Capital     Prompt Corrective  
    Actual     Adequacy Purposes     Action Provisions  
(Dollars in thousands)   Amount     Ratio     Amount     Ratio     Amount     Ratio  
                                     
As of December 31, 2012:                                                
Total Capital to risk-weighted assets                                                
Company   $ 456,791       15.40 %   $ 237,308       8.00 %     N/A       N/A  
Sandy Spring Bank   $ 445,097       15.02 %   $ 237,066       8.00 %   $ 296,332       10.00 %
Tier 1 Capital to risk-weighted assets                                                
Company   $ 419,639       14.15 %   $ 118,654       4.00 %     N/A       N/A  
Sandy Spring Bank   $ 372,983       12.59 %   $ 118,533       4.00 %   $ 177,799       6.00 %
Tier 1 Leverage                                                
Company   $ 419,639       10.98 %   $ 114,628       3.00 %     N/A       N/A  
Sandy Spring Bank   $ 372,983       9.77 %   $ 114,553       3.00 %   $ 190,922       5.00 %
                                                 
As of December 31, 2011:                                                
Total Capital to risk-weighted assets                                                
Company   $ 419,780       15.83 %   $ 212,199       8.00 %     N/A       N/A  
Sandy Spring Bank   $ 397,526       15.00 %   $ 212,016       8.00 %   $ 265,021       10.00 %
Tier 1 Capital to risk-weighted assets                                                
Company   $ 386,423       14.57 %   $ 106,099       4.00 %     N/A       N/A  
Sandy Spring Bank   $ 329,197       12.42 %   $ 106,008       4.00 %   $ 159,012       6.00 %
Tier 1 Leverage                                                
Company   $ 386,423       10.84 %   $ 106,976       3.00 %     N/A       N/A  
Sandy Spring Bank   $ 329,197       9.24 %   $ 106,920       3.00 %   $ 178,200       5.00 %
XML 69 R8.htm IDEA: XBRL DOCUMENT v2.4.0.6
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Redemption of preferred stock, shares     83,094
Common stock dividends, per share $ 0.46 $ 0.34 $ 0.04
Preferred stock dividends, per share     $ 50.00
Common stock issuance, shares     7,475,000
Acquisition of CommerceFirst Bancorp, Inc 732,054    
Stock option plan, shares 3,906 (2,037) (30,498)
Employee stock purchase plan, shares 30,795 33,284 33,826
Restricted stock, shares 46,512 30,853 15,477
Director stock purchase plan, shares 1,083 1,833 3,709
DRIP plan, shares     265
Purchase of treasury shares, shares   23,592  
XML 70 R32.htm IDEA: XBRL DOCUMENT v2.4.0.6
SEGMENT REPORTING
 12 Months Ended
Dec. 31, 2012
Segment Reporting [Abstract]  
Segment Reporting

Note 24 - Segment Reporting

Currently, the Company conducts business in three operating segments—Community Banking, Insurance and Investment Management. Each of the operating segments is a strategic business unit that offers different products and services. The Insurance and Investment Management segments were businesses that were acquired in separate transactions where management of acquisition was retained. The accounting policies of the segments are the same as those of the Company. However, the segment data reflect inter-segment transactions and balances.

 

The Community Banking segment is conducted through Sandy Spring Bank and involves delivering a broad range of financial products and services, including various loan and deposit products to both individuals and businesses. Parent company income is included in the Community Banking segment, as the majority of effort of these functions is related to this segment. Major revenue sources include net interest income, gains on sales of mortgage loans, trust income, fees on sales of investment products and service charges on deposit accounts. Expenses include personnel, occupancy, marketing, equipment and other expenses. Non-cash charges associated with amortization of intangibles related to the acquired entities for the years ended December 31, 2012, 2011 and 2010, amounted to $1.4 million, $1.4 million and $1.4 million, respectively.

 

The Insurance segment is conducted through Sandy Spring Insurance Corporation, a subsidiary of the Bank, and offers annuities as an alternative to traditional deposit accounts. Sandy Spring Insurance Corporation operates Sandy Spring Insurance, a general insurance agency located in Annapolis, Maryland, and Neff and Associates, located in Ocean City, Maryland. Major sources of revenue are insurance commissions from commercial lines, personal lines, and medical liability lines. Expenses include personnel and support charges. Non-cash charges associated with amortization of intangibles related to the acquired entities was not significant for the years ended December 31, 2012, 2011 and 2010, respectively.

 

The Investment Management segment is conducted through West Financial Services, Inc., a subsidiary of the Bank. This asset management and financial planning firm, located in McLean, Virginia, provides comprehensive investment management and financial planning to individuals, families, small businesses and associations including cash flow analysis, investment review, tax planning, retirement planning, insurance analysis and estate planning. West Financial currently has approximately $822 million in assets under management. Major revenue sources include non-interest income earned on the above services. Expenses include personnel and support charges. Non-cash charges associated with amortization of intangibles related to the acquired entities was not significant for the years ended December 31, 2012, 2011 and 2010, respectively.

 

Information for the operating segments and reconciliation of the information to the consolidated financial statements for the years ended December 31 is presented in the following tables:

    2012  
    Community           Investment     Inter-Segment        
(In thousands)   Banking     Insurance     Mgmt.     Elimination     Total  
Interest income   $ 143,870     $ 8     $ 12     $ (20 )   $ 143,870  
Interest expense     22,671       -       -       (20 )     22,651  
Provision for loan and lease losses     3,649       -       -       -       3,649  
Noninterest income     42,312       4,837       5,620       (5,813 )     46,956  
Noninterest expenses     108,421       4,190       3,129       (5,813 )     109,927  
Income before income taxes     51,441       655       2,503       -       54,599  
Income tax expense     16,807       266       972       -       18,045  
Net income   $ 34,634     $ 389     $ 1,531     $ -     $ 36,554  
                                         
Assets   $ 3,964,926     $ 13,452     $ 16,341     $ (39,513 )   $ 3,955,206  

 

    2011  
    Community           Investment     Inter-Segment        
(In thousands)   Banking     Insurance     Mgmt.     Elimination     Total  
Interest income   $ 139,531     $ 5     $ 8     $ (74 )   $ 139,470  
Interest expense     26,598       -       -       (74 )     26,524  
Provision (credit) for loan and lease losses     1,428       -       -       -       1,428  
Noninterest income     33,768       5,142       5,400       (810 )     43,500  
Noninterest expenses     98,320       4,450       3,111       (810 )     105,071  
Income before income taxes     46,953       697       2,297       -       49,947  
Income tax expense     14,667       283       895       -       15,845  
Net income   $ 32,286     $ 414     $ 1,402     $ -     $ 34,102  
                                         
Assets   $ 3,742,916     $ 13,067     $ 14,806     $ (59,419 )   $ 3,711,370  

 

    2010  
    Community           Investment     Inter-Segment        
(In thousands)   Banking     Insurance     Mgmt.     Elimination     Total  
Interest income   $ 148,731     $ 7     $ 5     $ (394 )   $ 148,349  
Interest expense     33,136       -       -       (394 )     32,742  
Provision for loan and lease losses     25,908       -       -       -       25,908  
Noninterest income     33,720       5,807       5,065       (810 )     43,782  
Noninterest expenses     94,001       4,556       3,165       (810 )     100,912  
Income before income taxes     29,406       1,258       1,905       -       32,569  
Income tax expense     7,798       509       742       -       9,049  
Net income   $ 21,608     $ 749     $ 1,163     $ -     $ 23,520  
                                         
Assets   $ 3,527,889     $ 12,671     $ 13,409     $ (34,581 )   $ 3,519,388
XML 71 R83.htm IDEA: XBRL DOCUMENT v2.4.0.6
Troubled Debt Restructured Loans for Specific Segments of the Loan Portfolio (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Financing Receivable, Modifications [Line Items]    
Restructured accruing $ 3,614 $ 5,286
Restructured non-accruing 1,304 4,976
Balance 4,918 10,262
Specific allowance 1,223 1,883
Restructured and subsequently defaulted 0 509
Commercial Loan
    
Financing Receivable, Modifications [Line Items]    
Restructured accruing 2,600 1,696
Restructured non-accruing 0 469
Balance 2,600 2,165
Specific allowance 552 254
Restructured and subsequently defaulted 0 0
Commercial Investor Real Estate
    
Financing Receivable, Modifications [Line Items]    
Restructured accruing 0 0
Restructured non-accruing 0 1,269
Balance 0 1,269
Specific allowance 0 93
Restructured and subsequently defaulted 0 0
Commercial Owner Occupied Real Estate
    
Financing Receivable, Modifications [Line Items]    
Restructured accruing 1,014 0
Restructured non-accruing 0 2,475
Balance 1,014 2,475
Specific allowance 204 509
Restructured and subsequently defaulted 0 0
All Other
    
Financing Receivable, Modifications [Line Items]    
Restructured accruing 0 3,590
Restructured non-accruing 1,304 763
Balance 1,304 4,353
Specific allowance 467 1,027
Restructured and subsequently defaulted 0 509
Commercial Acquisition, Development and Construction
    
Financing Receivable, Modifications [Line Items]    
Restructured accruing 0 0
Restructured non-accruing 0 0
Balance 0 0
Specific allowance 0 0
Restructured and subsequently defaulted $ 0 $ 0
XML 72 R114.htm IDEA: XBRL DOCUMENT v2.4.0.6
Company's pension plan weighted average (Detail)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Defined Benefit Plan Disclosure [Line Items]    
Total pension plan sssets 100.00% 100.00%
Cash and certificates of deposit
    
Defined Benefit Plan Disclosure [Line Items]    
Total pension plan sssets 11.10% 27.10%
Equity Securities:
    
Defined Benefit Plan Disclosure [Line Items]    
Total pension plan sssets 58.50% 39.30%
Debt Securities
    
Defined Benefit Plan Disclosure [Line Items]    
Total pension plan sssets 30.40% 33.60%
XML 73 R40.htm IDEA: XBRL DOCUMENT v2.4.0.6
GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)
 12 Months Ended
Dec. 31, 2012
Goodwill and Intangible Assets Disclosure [Abstract]  
Gross Carrying Amounts and Accumulated Amortization of Intangible Assets and Goodwill

The gross carrying amounts and accumulated amortization of intangible assets and goodwill are presented at December 31 in the following table:

 

    2012     Weighted   2011     Weighted
    Gross           Net     Average   Gross           Net     Average
    Carrying     Accumulated     Carrying     Remaining   Carrying     Accumulated     Carrying     Remaining
(Dollars in thousands)   Amount     Amortization     Amount     Life   Amount     Amortization     Amount     Life
Amortizing intangible assets:                                                        
Core deposit intangibles   $ 9,716     $ (7,964 )   $ 1,752     1.3 years   $ 9,716     $ (6,575 )   $ 3,141     2.3 years
Other identifiable intangibles     8,611       (7,200 )     1,411     3.1 years     8,301       (6,708 )     1,593     3.5 years
Total amortizing intangible assets   $ 18,327     $ (15,164 )   $ 3,163         $ 18,017     $ (13,283 )   $ 4,734      
                                                         
Goodwill   $ 84,808             $ 84,808         $ 76,816             $ 76,816
Net carrying amount of goodwill by segment

The following table presents the net carrying amount of goodwill by segment for the periods indicated:

 

    Community           Investment        
(In thousands)   Banking     Insurance     Management     Total  
Balance December 31, 2010   $ 62,636     $ 5,191     $ 8,989     $ 76,816  
No activity     -       -       -       -  
Balance December 31, 2011     62,636       5,191       8,989       76,816  
CommerceFirst Acquisition     7,992       -       -       7,992  
Balance December 31, 2012   $ 70,628     $ 5,191     $ 8,989     $ 84,808  
Estimated Future Amortization Expense for Amortizing Intangibles

The following table presents the estimated future amortization expense for amortizing intangible assets within the years ending December 31:

 

(In thousands)   Amount  
2013   $ 1,845  
2014     818  
2015     370  
2016     92  
2017     14  
Thereafter     24  
Total amortizing intangible assets   $ 3,163
XML 74 R53.htm IDEA: XBRL DOCUMENT v2.4.0.6
SEGMENT REPORTING (Tables)
 12 Months Ended
Dec. 31, 2012
Segment Reporting [Abstract]  
Operating Segments and Reconciliation of Information to Condensed Consolidated Financial Statements

Information for the operating segments and reconciliation of the information to the consolidated financial statements for the years ended December 31 is presented in the following tables:

    2012  
    Community           Investment     Inter-Segment        
(In thousands)   Banking     Insurance     Mgmt.     Elimination     Total  
Interest income   $ 143,870     $ 8     $ 12     $ (20 )   $ 143,870  
Interest expense     22,671       -       -       (20 )     22,651  
Provision for loan and lease losses     3,649       -       -       -       3,649  
Noninterest income     42,312       4,837       5,620       (5,813 )     46,956  
Noninterest expenses     108,421       4,190       3,129       (5,813 )     109,927  
Income before income taxes     51,441       655       2,503       -       54,599  
Income tax expense     16,807       266       972       -       18,045  
Net income   $ 34,634     $ 389     $ 1,531     $ -     $ 36,554  
                                         
Assets   $ 3,964,926     $ 13,452     $ 16,341     $ (39,513 )   $ 3,955,206  

 

    2011  
    Community           Investment     Inter-Segment        
(In thousands)   Banking     Insurance     Mgmt.     Elimination     Total  
Interest income   $ 139,531     $ 5     $ 8     $ (74 )   $ 139,470  
Interest expense     26,598       -       -       (74 )     26,524  
Provision (credit) for loan and lease losses     1,428       -       -       -       1,428  
Noninterest income     33,768       5,142       5,400       (810 )     43,500  
Noninterest expenses     98,320       4,450       3,111       (810 )     105,071  
Income before income taxes     46,953       697       2,297       -       49,947  
Income tax expense     14,667       283       895       -       15,845  
Net income   $ 32,286     $ 414     $ 1,402     $ -     $ 34,102  
                                         
Assets   $ 3,742,916     $ 13,067     $ 14,806     $ (59,419 )   $ 3,711,370  

 

    2010  
    Community           Investment     Inter-Segment        
(In thousands)   Banking     Insurance     Mgmt.     Elimination     Total  
Interest income   $ 148,731     $ 7     $ 5     $ (394 )   $ 148,349  
Interest expense     33,136       -       -       (394 )     32,742  
Provision for loan and lease losses     25,908       -       -       -       25,908  
Noninterest income     33,720       5,807       5,065       (810 )     43,782  
Noninterest expenses     94,001       4,556       3,165       (810 )     100,912  
Income before income taxes     29,406       1,258       1,905       -       32,569  
Income tax expense     7,798       509       742       -       9,049  
Net income   $ 21,608     $ 749     $ 1,163     $ -     $ 23,520  
                                         
Assets   $ 3,527,889     $ 12,671     $ 13,409     $ (34,581 )   $ 3,519,388
XML 75 R72.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loan Portfolio Segment Balances (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 2,531,128 $ 2,239,692
Commercial Business
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 346,708 260,327
Leases
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 3,421 6,954
Consumer
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 356,990 360,080
Residential Real Estate Portfolio Segment | Residential Mortgage
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 523,364 448,662
Residential Real Estate Portfolio Segment | Residential Construction
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 120,314 108,699
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 571,510 522,076
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 456,888 371,948
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 151,933 $ 160,946
XML 76 R2.htm IDEA: XBRL DOCUMENT v2.4.0.6
CONSOLIDATED STATEMENTS OF CONDITION (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Assets    
Cash and due from banks $ 59,540 $ 49,832
Federal funds sold 466 1,006
Interest-bearing deposits with banks 26,400 21,476
Cash and cash equivalents 86,406 72,314
Residential mortgage loans held for sale (at fair value) 36,149 25,341
Investments available-for-sale (at fair value) 825,582 951,301
Investments held-to-maturity - fair value of $222,024 and $184,167 at December 31, 2012 and 2011, respectively 215,814 178,465
Other equity securities 33,636 34,933
Total loans and leases 2,531,128 2,239,692
Less: allowance for loan and lease losses (42,957) (49,426)
Net loans and leases 2,488,171 2,190,266
Premises and equipment, net 48,326 48,483
Other real estate owned 5,926 4,431
Accrued interest receivable 12,392 12,898
Goodwill 84,808 76,816
Other intangible assets, net 3,163 4,734
Other assets 114,833 111,388
Total assets 3,955,206 3,711,370
Liabilities    
Noninterest-bearing deposits 847,415 650,377
Interest-bearing deposits 2,065,619 2,006,143
Total deposits 2,913,034 2,656,520
Securities sold under retail repurchase agreements and federal funds purchased 86,929 143,613
Advances from FHLB 405,058 405,408
Subordinated debentures 35,000 35,000
Accrued interest payable and other liabilities 31,673 24,720
Total liabilities 3,471,694 3,265,261
Stockholders' Equity    
Common stock - par value $1.00; shares authorized 50,000,000; shares issued and outstanding 24,905,392 and 24,091,042 at December 31, 2012 and 2011, respectively 24,905 24,091
Additional paid in capital 191,689 177,828
Retained earnings 255,606 230,942
Accumulated other comprehensive income 11,312 13,248
Total stockholders' equity 483,512 446,109
Total liabilities and stockholders' equity $ 3,955,206 $ 3,711,370
XML 77 R45.htm IDEA: XBRL DOCUMENT v2.4.0.6
OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE (Tables)
 12 Months Ended
Dec. 31, 2012
Other Income and Expenses [Abstract]  
Selected components of other non-interest income and other non-interest expense

Selected components of other non-interest income and other non-interest expense for the years ended December 31 are presented in the following table:

 

(In thousands)   2012     2011     2010  
Letter of credit fees   $ 992     $ 1,123     $ 1,019  
Extension fees     590       406       594  
Other income     3,140       2,515       2,816  
Total other non-interest income   $ 4,722     $ 4,044     $ 4,429  

 

(In thousands)   2012     2011     2010  
Professional fees   $ 6,309     $ 4,942     $ 5,586  
Other real estate owned     905       2,412       976  
Postage and delivery     1,255       1,257       1,328  
Communications     1,596       1,433       1,433  
Other expenses     8,348       7,598       7,027  
Total other non-interest expense   $ 18,413     $ 17,642     $ 16,350
XML 78 R96.htm IDEA: XBRL DOCUMENT v2.4.0.6
Months to Maturities Of Time Deposits (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Months To Maturities Of Time Deposits [Line Items]    
Months to maturity 3 or less $ 38,204  
Months to maturity over 3 to 6 35,670  
Months to maturity over 6 to 12 54,110  
Months to maturity over 12 89,391  
Total time deposits $ 217,375 $ 268,263
XML 79 R135.htm IDEA: XBRL DOCUMENT v2.4.0.6
Operating Segments and Reconciliation of Information to Condensed Consolidated Financial Statements (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Segment Reporting Information [Line Items]      
Interest income $ 143,870 $ 139,470 $ 148,349
Interest expense 22,651 26,524 32,742
Provision for loan and lease losses 3,649 1,428 25,908
Noninterest income 46,956 43,500 43,782
Noninterest expenses 109,927 105,071 100,912
Income before income taxes 54,599 49,947 32,569
Income tax expense 18,045 15,845 9,049
Net income 36,554 34,102 23,520
Assets 3,955,206 3,711,370 3,519,388
Community Banking
      
Segment Reporting Information [Line Items]      
Interest income 143,870 139,531 148,731
Interest expense 22,671 26,598 33,136
Provision for loan and lease losses 3,649 1,428 25,908
Noninterest income 42,312 33,768 33,720
Noninterest expenses 108,421 98,320 94,001
Income before income taxes 51,441 46,953 29,406
Income tax expense 16,807 14,667 7,798
Net income 34,634 32,286 21,608
Assets 3,964,926 3,742,916 3,527,889
Insurance
      
Segment Reporting Information [Line Items]      
Interest income 8 5 7
Interest expense 0 0 0
Provision for loan and lease losses 0 0 0
Noninterest income 4,837 5,142 5,807
Noninterest expenses 4,190 4,450 4,556
Income before income taxes 655 697 1,258
Income tax expense 266 283 509
Net income 389 414 749
Assets 13,452 13,067 12,671
Investment Management
      
Segment Reporting Information [Line Items]      
Interest income 12 8 5
Interest expense 0 0 0
Provision for loan and lease losses 0 0 0
Noninterest income 5,620 5,400 5,065
Noninterest expenses 3,129 3,111 3,165
Income before income taxes 2,503 2,297 1,905
Income tax expense 972 895 742
Net income 1,531 1,402 1,163
Assets 16,341 14,806 13,409
Intersegment Elimination
      
Segment Reporting Information [Line Items]      
Interest income (20) (74) (394)
Interest expense (20) (74) (394)
Provision for loan and lease losses 0 0 0
Noninterest income (5,813) (810) (810)
Noninterest expenses (5,813) (810) (810)
Income before income taxes 0 0 0
Income tax expense 0 0 0
Net income 0 0 0
Assets $ (39,513) $ (59,419) $ (34,581)
XML 80 R113.htm IDEA: XBRL DOCUMENT v2.4.0.6
Component of net periodic benefit (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Defined Benefit Plan Disclosure [Line Items]      
Net actuarial loss $ (14,879) $ (11,240) $ (10,618)
Net periodic pension cost not yet recognized $ (14,879) $ (11,240) $ (10,618)
XML 81 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Operating activities:      
Net income $ 36,554 $ 34,102 $ 23,520
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation and amortization 7,847 7,488 7,686
Net OTTI recognized in earnings 109 160 512
Provision for loan and lease losses 3,649 1,428 25,908
Share based compensation expense 1,451 1,207 904
Deferred income tax expense 3,933 6,678 (480)
Origination of loans held for sale (310,860) (229,631) (244,707)
Proceeds from sales of loans held for sale 305,013 230,232 237,787
Gains on sales of loans held for sale (4,961) (3,225) (3,251)
Loss on sales of other real estate owned 1,595 2,078 902
Investment securities gains (459) (292) (796)
(Gains) losses on sales of premises and equipment (74) 120 (92)
Net decrease (increase) in accrued interest receivable 521 (328) 1,083
Net (increase) decrease in other assets (2,421) (691) 5,763
Net increase (decrease) in accrued expenses and other liabilities 6,939 12,491 (3,040)
Other - net 3,954 5,893 4,948
Net cash provided by operating activities 52,790 67,710 56,647
Investing activities:      
Purchases of other equity securities (6,780) (2,910) (1,297)
Purchases of investments held-to-maturity (146,290) (161,102) 0
Purchases of investments available-for-sale (264,993) (370,657) (725,641)
Proceeds from redemption of Federal Home Loan Bank of Atlanta stock 8,002 2,048 0
Proceeds from sales of investment available-for-sale 28,519 0 123,526
Proceeds from maturities, calls and principal payments of investments held-to-maturity 108,612 84,409 31,240
Proceeds from maturities, calls and principal payments of investments available-for-sale 357,144 347,864 548,583
Net (increase) decrease in loans and leases (140,483) (103,994) 103,110
Proceeds from the sales of other real estate owned 4,934 8,801 7,405
Acquisition of business activity, net of cash acquired (849) 0 0
Expenditures for premises and equipment (4,381) (4,003) (3,645)
Net cash used in investing activities (56,565) (199,544) 83,281
Financing activities:      
Net increase in deposits 86,593 106,648 (146,970)
Net (decrease) increase in retail repurchase agreements and federal funds purchased (56,685) 47,370 7,181
Repayment of advances from FHLB (350) (350) (5,826)
Proceeds from issuance of common stock 98 314 96,464
Repurchase of common stock 0 (334) 0
Redemption of preferred stock 0 0 (83,094)
Redemption of stock warrant 0 (4,449) 0
Tax benefits associated with shared based compensation 102 91 201
Dividends paid (11,891) (8,259) (4,563)
Net cash provided by financing activities 17,867 141,031 (136,607)
Net increase in cash and cash equivalents 14,092 9,197 3,321
Cash and cash equivalents at beginning of period 72,314 63,117 59,796
Cash and cash equivalents at end of period 86,406 72,314 63,117
Supplemental Disclosures:      
Interest payments 22,464 20,334 33,183
Income tax payments 13,266 9,704 2,181
Transfers from loans to other real estate owned $ 4,810 $ 6,398 $ 10,336
XML 82 R94.htm IDEA: XBRL DOCUMENT v2.4.0.6
Composition of Deposits (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Deposit Liabilities [Line Items]    
Noninterest-bearing deposits $ 847,415 $ 650,377
Interest-bearing deposits:    
Demand 428,048 367,682
Money market savings 884,367 858,732
Regular savings 228,384 195,408
Time deposits of less than $100,000 307,445 316,058
Time deposits of $100,000 or more 217,375 268,263
Total interest-bearing deposits 2,065,619 2,006,143
Total deposits $ 2,913,034 $ 2,656,520
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Merger Related Expenses (Detail) (Acquisition-related Costs, USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Business Acquisition, Contingent Consideration [Line Items]  
Total merger expenses $ 2,500
Salaries and Employee Benefits
  
Business Acquisition, Contingent Consideration [Line Items]  
Total merger expenses 803
Outside Data Services
  
Business Acquisition, Contingent Consideration [Line Items]  
Total merger expenses 800
Professional fees (legal, consulting, etc.)
  
Business Acquisition, Contingent Consideration [Line Items]  
Total merger expenses 770
Miscellaneous Expenses
  
Business Acquisition, Contingent Consideration [Line Items]  
Total merger expenses $ 127
XML 85 R99.htm IDEA: XBRL DOCUMENT v2.4.0.6
Advances from FHLB and Respective Maturity Schedule (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Maturity:    
One year $ 35,058 $ 350
Two years 0 58
Three years 0 0
Four years 45,000 0
Five years 85,000 160,000
After five years 280,000 245,000
Total advances from FHLB $ 440,058 $ 405,408
Maturity:    
One year 0.36% 0.37%
Two years 0.00% 4.13%
Three years 0.00% 0.00%
Four years 4.47% 0.00%
Five years 3.57% 4.51%
After five years 2.91% 2.84%
Total advances from FHLB 2.97% 2.99%
XML 86 R35.htm IDEA: XBRL DOCUMENT v2.4.0.6
ACQUISITION (Tables)
 12 Months Ended
Dec. 31, 2012
Business Combinations [Abstract]  
Consideration Transferred for CommerceFirst's Common Equity and Amounts of Acquired Identifiable Assets and Liabilities Assumed

The consideration transferred for CommerceFirst’s common equity and the amounts of acquired identifiable assets and liabilities assumed as of the acquisition date were as follows:

  

(In thousands)      
Purchase Price:        
Value of common share issued   $ 13,023  
Cash     12,381  
Total purchase price     25,404  
         
Identifiable assets:        
Cash and due from banks     11,532  
Investments     502  
Loans and leases     165,762  
Other Real Estate Owned     2,615  
Intangible assets     210  
Other assets     7,356  
Total identifiable assets     187,977  
         
Liabilities:        
Deposits     169,921  
Other Liabilities     644  
Total liabilities     170,565  
         
Net goodwill resulting from acquisition   $ 7,992  
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period

The following is a summary of the loans acquired in the acquisition with evidence of deteriorated credit quality:

 

    Loans Acquired  
    with Evidence of  
    Deteriorated  
(In thousands)   Credit Quality  
Contractually required principal and interest at acquisition   $ 14,436  
Contractual cash flows not expected to be collected     (5,560 )
Expected cash flows at acquisition     8,876  
Interest component of expected cash flows     (1,056 )
Basis in acquired loans at acquisition - estimated fair value   $ 7,820  
Schedule Of Merger Related Costs

A summary of merger related expenses included in the indicated captions in the consolidated statements of income for the year ended December 31, 2012 is presented below:

 

 

 

    For the Year Ended  
(In thousands)   December 31, 2012  
Salaries and employee benefits   $ 803  
Outside data services     800  
Other non-interest expenses:        
Professional fees (legal, consulting, etc.)     770  
Miscellaneous expenses     127  
Total merger expenses   $ 2,500  
XML 87 R131.htm IDEA: XBRL DOCUMENT v2.4.0.6
Statements of Income/(Loss) (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Income:      
Other income $ 3,140 $ 2,515 $ 2,816
Expenses:      
Total expenses 22,651 26,524 32,742
Income (loss) before income taxes and equity in undistributed income (loss) of subsidiary 54,599 49,947 32,569
Income tax benefit 18,045 15,845 9,049
Net income 36,554 34,102 23,520
Preferred stock dividends and discount accretion 0 0 6,149
Net income (loss) available to common shareholders 36,554 34,102 17,371
Sandy Spring Bancorp, Inc
      
Income:      
Cash dividends from subsidiary 12,028 21,339 0
Other income 982 945 1,191
Total income 13,010 22,284 1,191
Expenses:      
Interest 959 913 940
Other expenses 1,003 784 911
Total expenses 1,962 1,697 1,851
Income (loss) before income taxes and equity in undistributed income (loss) of subsidiary 11,048 20,587 (660)
Income tax benefit (221) (210) (167)
Income (loss) before equity in undistributed income (loss) of subsidiary 11,269 20,797 (493)
Equity in undistributed (excess distributions) income (loss) of subsidiary 25,285 13,305 24,013
Net income 36,554 34,102 23,520
Preferred stock dividends and discount accretion 0 0 6,149
Net income (loss) available to common shareholders $ 36,554 $ 34,102 $ 17,371
XML 88 R65.htm IDEA: XBRL DOCUMENT v2.4.0.6
Amortized Cost and Estimated Fair Values of investment securities Available-For-Sale by Contractual Maturity (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Amortized Cost    
Due in one year or less $ 35,544 $ 65,569
Due after one year through five years 3,957 62,993
Due after five years through ten years 382,957 342,813
Due after ten years 368,708 446,552
Total debt securities available for sale 791,166 917,927
Estimated Fair Value    
Due in one year or less 36,349 65,972
Due after one year through five years 3,994 64,656
Due after five years through ten years 399,180 354,238
Due after ten years 385,336 466,335
Estimated Fair Value $ 824,859 $ 951,201
XML 89 R22.htm IDEA: XBRL DOCUMENT v2.4.0.6
PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS
 12 Months Ended
Dec. 31, 2012
Pension Profit Sharing and Other Employee Benefit Plans [Abstract]  
Pension, Profit Sharing, and Other Employee Benefit Plans

Note 14 – Pension, Profit Sharing, and Other Employee Benefit Plans

Defined Benefit Pension Plan

The Company has a qualified, noncontributory, defined benefit pension plan (the “Plan”) covering substantially all employees. Benefits after January 1, 2005, are based on the benefit earned as of December 31, 2004, plus benefits earned in future years of service based on the employee’s compensation during each such year. All benefit accruals for employees were frozen as of December 31, 2007 based on past service and thus future salary increases and additional years of service will no longer affect the defined benefit provided by the plan although additional vesting may continue to occur.

 

The Company's funding policy is to contribute amounts to the plan sufficient to meet the minimum funding requirements of the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended. In addition, the Company contributes additional amounts as it deems appropriate based on benefits attributed to service prior to the date of the plan freeze. The Plan invests primarily in a diversified portfolio of managed fixed income and equity funds.

 

The Plan’s funded status at December 31 is as follows:

 

(In thousands)   2012     2011  
Reconciliation of Projected Benefit Obligation:                
Projected obligation at January 1   $ 32,387     $ 30,633  
Interest cost     1,534       1,541  
Actuarial loss     137       360  
Benefit payments     (702 )     (1,484 )
Increase related to discount rate change     5,483       1,337  
Projected obligation at December 31     38,839       32,387  
Reconciliation of Fair Value of Plan Assets:                
Fair value of plan assets at January 1     29,341       26,839  
Actual return on plan assets     1,951       986  
Contribution     -       3,000  
Benefit payments     (702 )     (1,484 )
Fair value of plan assets at December 31     30,590       29,341  
                 
Funded status at December 31   $ (8,249 )   $ (3,046 )
                 
Accumulated benefit obligation at December 31   $ 38,839     $ 32,387  
                 
Unrecognized net actuarial loss   $ 14,879     $ 11,240  
Net periodic pension cost not yet recognized   $ 14,879     $ 11,240  

 

Weighted-average assumptions used to determine benefit obligations at December 31 are presented in the following table:

 

    2012     2011     2010  
Discount rate     4.00 %     4.75 %     5.00 %
Rate of compensation increase     N/A       N/A       N/A  

 

The components of net periodic benefit cost for the years ended December 31 are presented in the following table:

 

(In thousands)   2012     2011     2010  
Interest cost on projected benefit obligation   $ 1,534     $ 1,541     $ 1,490  
Expected return on plan assets     (1,165 )     (1,070 )     (1,201 )
Recognized net actuarial loss     1,194       1,159       1,156  
Net periodic benefit cost   $ 1,563     $ 1,630     $ 1,445  

 

Weighted-average assumptions used to determine net periodic benefit cost for years ended December 31 are presented in the following table:

 

    2012     2011     2010  
Discount rate     4.75 %     5.00 %     5.00 %
Expected return on plan assets     4.00 %     4.50 %     4.50 %
Rate of compensation increase     N/A       N/A       N/A  

 

The expected rate of return on assets of 4.00% reflects the Plan’s predominant investment of assets in cash and debt type securities and an analysis of the average rate of return of the S&P 500 index and the Lehman Brothers Gov’t/Corp. index over the past 20 years.

 

The following table reflects the components of the net unrecognized benefits costs that is reflected in accumulated other comprehensive income (loss) for the periods indicated. Additions represent the growth in the unrecognized actuarial loss during the period. Reductions represent the portion of the unrecognized benefits that are recognized each period as a component of the net periodic benefit cost.

 

    Unrecognized  
    Net  
(In thousands)   Gain/(Loss)  
Included in accumulated other comprehensive income (loss) at January 1, 2010   $ 10,806  
Additions during the year     968  
Reclassifications due to recognition as net periodic pension cost     (1,156 )
Included in accumulated other comprehensive income (loss) as of December 31, 2010     10,618  
Additions during the year     443  
Reclassifications due to recognition as net periodic pension cost     (1,159 )
Increase related to change in discount rate assumption     1,337  
Included in accumulated other comprehensive income (loss) as of December 31, 2011     11,239  
Additions during the year     (649 )
Reclassifications due to recognition as net periodic pension cost     (1,194 )
Increase related to change in discount rate assumption     5,483  
Included in accumulated other comprehensive income (loss) as of December 31, 2012     14,879  
Applicable tax effect     (5,933 )
Included in accumulated other comprehensive income (loss) net of tax effect at December 31, 2012   $ 8,946  
         
Amount expected to be recognized as part of net periodic pension cost in the next fiscal year   $ 1,350  

 

There are no plan assets expected to be returned to the employer in the next twelve months.

 

The following items have not yet been recognized as a component of net periodic benefit cost at December 31:

 

(In thousands)   2012     2011     2010  
Net actuarial loss   $ (14,879 )   $ (11,240 )   $ (10,618 )
Net periodic benefit cost not yet recognized   $ (14,879 )   $ (11,240 )   $ (10,618 )

  

 

Pension Plan Assets

 

The Company’s pension plan weighted average allocations at December 31 are presented in the following table:

 

    2012     2011  
Asset Category:                
Cash and certificates of deposit     11.1 %     27.1 %
Equity Securities:     58.5       39.3  
Debt Securities     30.4       33.6  
Total pension plan sssets     100.0 %     100.0 %

 

The Company has a written investment policy approved by the board of directors that governs the investment of the defined benefit pension fund trust portfolio. The investment policy is designed to provide limits on risk that is undertaken by the investment managers both in terms of market volatility of the portfolio and the quality of the individual assets that are held in the portfolio. The investment policy statement focuses on the following areas of concern: preservation of capital, diversification, risk tolerance, investment duration, rate of return, liquidity and investment management costs.

 

The Company has constituted the Retirement Plans Investment Committee (“RPIC”) in part to monitor the investments of the Plan as well as to recommend to executive management changes in the Investment Policy Statement which governs the Plan’s investment operations. These recommendations include asset allocation changes based on a number of factors including the investment horizon for the Plan. The Company’s Investment Management and Fiduciary Services Division is the investment manager of the Plan and also serves as an advisor to RPIC on the Plan’s investment matters.

 

Investment strategies and asset allocations are based on careful consideration of plan liabilities, the plan’s funded status and the Company’s financial condition. Investment performance and asset allocation are measured and monitored on an ongoing basis. The current target allocations for plan assets are 0-60% for equity securities, 0-100% for fixed income securities and 0-100% for cash funds and emerging market debt funds. This asset allocation has been set after taking into consideration the Plan’s current frozen status and the possibility of partial plan terminations over the intermediate term.

 

Market volatility risk is controlled by limiting the asset allocation of the most volatile asset class, equities, to no more than 60% of the portfolio and by ensuring that there is sufficient liquidity to meet distribution requirements from the portfolio without disrupting long-term assets. Diversification of the equity portion of the portfolio is controlled by limiting the value of any initial acquisition so that it does not exceed 5% of the market value of the portfolio when purchased. The policy requires the sale of any portion of an equity position when its value exceeds 10% of the portfolio. Fixed income market volatility risk is managed by limiting the term of fixed income investments to five years. Fixed income investments must carry an “A” or better rating by a recognized credit rating agency. Corporate debt of a single issuer may not exceed 10% of the market value of the portfolio. The investment in derivative instruments such as “naked” call options, futures, commodities, and short selling is prohibited. Investment in equity index funds and the writing of “covered” call options (a conservative strategy to increase portfolio income) are permitted. Foreign currency-denominated debt instruments are not permitted. At December 31, 2012, management is of the opinion that there are no significant concentrations of risk in the assets of the plan with respect to any single entity, industry, country, commodity or investment fund that are not otherwise mitigated by FDIC insurance available to the participants of the plan and collateral pledged for any such amount that may not be covered by FDIC insurance. Investment performance is measured against industry accepted benchmarks. The risk tolerance and asset allocation limitations imposed by the policy are consistent with attaining the rate of return assumptions used in the actuarial funding calculations. The RPIC committee meets quarterly to review the activities of the investment managers to ensure adherence with the Investment Policy Statement.

 

Fair Values

The fair values of the Company’s pension plan assets by asset category at December 31 are presented in the following tables:

 

    2012  
    Quoted Prices in     Significant Other     Significant        
    Active Markets for     Observable     Unobservable        
    Identical Assets     Inputs     Inputs        
(In thousands)   (Level 1)     (Level 2)     (Level 3)     Total  
Asset Category:                                
Cash and certificates of deposit   $ 3,253     $ -     $ -     $ 3,253  
Equity Securities:                                
Industrials     2,676       -       -       2,676  
Financials     2,353                       2,353  
Telecommunication services     1,121       -       -       1,121  
Consumer     3,515       -       -       3,515  
Health care     1,900       -       -       1,900  
Information technology     2,328       -       -       2,328  
Energy     2,645       -       -       2,645  
Materials     1,207       -       -       1,207  
Other     156       -       -       156  
Total equity securities     17,901       -       -       17,901  
Fixed income securities:                                
U. S. Government Agencies     -       -       -       -  
Corporate bonds     -       9,283       -       9,283  
Other     153       -       -       153  
Total pension plan sssets   $ 21,307     $ 9,283     $ -     $ 30,590  

 

    2011  
    Quoted Prices in     Significant Other     Significant        
    Active Markets for     Observable     Unobservable        
    Identical Assets     Inputs     Inputs        
(In thousands)   (Level 1)     (Level 2)     (Level 3)     Total  
Asset Category:                                
Cash and certificates of deposit   $ 7,815     $ -     $ -     $ 7,815  
Equity Securities:                                
Industrials     1,064       -       -       1,064  
Financials     1,669                       1,669  
Telecommunication services     765       -       -       765  
Consumer     3,429       -       -       3,429  
Health care     1,594       -       -       1,594  
Information technology     1,416       -       -       1,416  
Energy     811       -       -       811  
Other     775       -       -       775  
Total equity securities     11,523       -       -       11,523  
Fixed income securities:                                
U. S. Government Agencies     -       619       -       619  
Corporate bonds     -       9,251       -       9,251  
Other     133       -       -       133  
Total pension plan sssets   $ 19,471     $ 9,870     $ -     $ 29,341  

 

Contributions

The decision as to whether or not to make a plan contribution and the amount of any such contribution is dependent on a number of factors. Such factors include the investment performance of the plan assets in the current economy and, since the plan is currently frozen, the remaining investment horizon of the plan. Given these uncertainties, management continues to monitor the funding level of the pension plan and may make contributions as necessary during 2013.

 

Estimated Future Benefit Payments

Benefit payments, which reflect expected future service, as appropriate, that are expected to be paid for the years ending December 31 are presented in the following table:

 

    Pension  
(In thousands)   Benefits  
2013   $ 583  
2014     689  
2015     743  
2016     867  
2017     955  
2018-2022     5,570  

 

Cash and Deferred Profit Sharing Plan

The Sandy Spring Bancorp, Inc. Cash and Deferred Profit Sharing Plan includes a 401(k) provision with a Company match. The 401(k) provision is voluntary and covers all eligible employees after ninety days of service. Employees contributing to the 401(k) provision receive a matching contribution of 100% of the first 3% of compensation and 50% of the next 2% of compensation subject to employee contribution limitations. The Company matching contribution vests immediately. The Plan permits employees to purchase shares of Sandy Spring Bancorp, Inc. common stock with their 401(k) contributions, Company match, and other contributions under the Plan. Profit sharing contributions and Company match that are included in non-interest expenses totaled $1.5 million, $1.4 million and $ 1.4 million in 2011, 2010 and 2009, respectively.

 

Executive Incentive Retirement Plan

The Executive Incentive Retirement Plan is a defined contribution plan that provides for contributions to be made to the participants’ plan accounts based on the attainment of a level of financial performance compared to a selected group of peer banks. This level of performance is determined annually by the board of directors. Benefit costs related to the Plan included in non-interest expense for 2012, 2011 and 2010 were $0.2 million, $0.3 million, and $0.2 million, respectively.
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INVESTMENTS (Tables)
 12 Months Ended
Dec. 31, 2012
Amortized cost and Estimated fair values of Investments Available-for-sale

The amortized cost and estimated fair values of investments available-for-sale at December 31 are presented in the following table:

 

    2012     2011  
          Gross     Gross     Estimated           Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair     Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value     Cost     Gains     Losses     Value  
U.S. government agencies   $ 155,442     $ 1,084     $ (98 )   $ 156,428     $ 197,816     $ 2,436     $ -     $ 200,252  
State and municipal     160,496       13,996       (1 )     174,491       160,657       12,456       (2 )     173,111  
Mortgage-backed     471,527       19,080       (128 )     490,479       551,518       18,639       (13 )     570,144  
Corporate debt     2,000       -       (4 )     1,996       2,000       -       (22 )     1,978  
Trust preferred     1,701       -       (236 )     1,465       5,936       260       (480 )     5,716  
Total debt securities     791,166       34,160       (467 )     824,859       917,927       33,791       (517 )     951,201  
Marketable equity securities     723       -       -       723       100       -       -       100  
Total investments available-for-sale   $ 791,889     $ 34,160     $ (467 )   $ 825,582     $ 918,027     $ 33,791     $ (517 )   $ 951,301  
Activity of OTTI on investment Securities Due to Credit Losses Recognized in Earnings

The following table provides the activity of OTTI on investment securities due to credit losses recognized in earnings for the period indicated:

 

(In thousands)   OTTI Losses  
Cumulative credit losses on investment securities, through December 31, 2010     262  
Additions for credit losses not previously recognized     160  
Cumulative credit losses on investment securities, through December 31, 2011     422  
Additions for credit losses not previously recognized     109  
Cumulative credit losses on investment securities, through December 31, 2012   $ 531  
Other Equity Securities

Other equity securities at the dates indicated are presented in the following table:

 

(In thousands)   2012     2011  
Federal Reserve Bank stock   $ 8,269     $ 7,530  
Federal Home Loan Bank of Atlanta stock     25,367       27,328  
Other equities     -       75  
Total equity securities   $ 33,636     $ 34,933  
Gross Realized Gains and Losses on All Investments

Securities gains

Gross realized gains and losses on all investments for the periods indicated are presented in the following table:

 

    For the year ended December 31,  
(In thousands)   2012     2011     2010  
Gross realized gains from sales of investments available-for-sale   $ 56     $ -     $ 1,001  
Gross realized losses from sales of investments available-for-sale     -       -       (371 )
Net gains or (losses) from calls of investments available-for-sale     294       205       99  
Net gains or (losses) from calls of investments held-to-maturity     109       87       67  
Net securities gains   $ 459     $ 292     $ 796  
Available-for-Sale Securities
  
Gross Unrealized Losses and Fair Value by Length of Time

Gross unrealized losses and fair values by length of time that the individual available-for-sale securities have been in an unrealized loss position at December 31 are presented in the following table:

 

    2012  
                Continuous Unrealized        
                Losses Existing for:        
    Number                       Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)   securities     Fair Value     12 months     12 months     Losses  
U.S. government agencies     2     $ 29,900     $ 98     $ -     $ 98  
State and municipal     1       390       1       -       1  
Mortgage-backed     2       12,653       128       -       128  
Corporate debt     1       1,996       4       -       4  
Trust preferred     1       1,465       -       236       236  
Total     7     $ 46,404     $ 231     $ 236     $ 467  

 

    2011  
                Continuous Unrealized        
                Losses Existing for:        
    Number                       Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)   securities     Fair Value     12 months     12 months     Losses  
State and municipal     1     $ 397     $ 2     $ -     $ 2  
Mortgage-backed     3       5,081       13       -       13  
Corporate debt     1       3,326       22       -       22  
Trust preferred     1       2,467       -       480       480  
Total     6     $ 11,271     $ 37     $ 480     $ 517  
Amortized Cost and Estimated Fair Values of Investment Securities

The amortized cost and estimated fair values of investment securities available-for-sale by contractual maturity at December 31 are provided in the following table. The Company has allocated mortgage-backed securities into the four maturity groupings reflected in the following table using the expected average life of the individual securities based on statistics provided by independent third party industry sources. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties.

 

    2012     2011  
          Estimated           Estimated  
    Amortized     Fair     Amortized     Fair  
(In thousands)   Cost     Value     Cost     Value  
Due in one year or less   $ 35,544     $ 36,349     $ 65,569     $ 65,972  
Due after one year through five years     3,957       3,994       62,993       64,656  
Due after five years through ten years     382,957       399,180       342,813       354,238  
Due after ten years     368,708       385,336       446,552       466,335  
Total debt securities available for sale   $ 791,166     $ 824,859     $ 917,927     $ 951,201  
Held-to-Maturity Securities
  
Gross Unrealized Losses and Fair Value by Length of Time

Gross unrealized losses and fair values by length of time that the individual held-to-maturity securities have been in a continuous unrealized loss position at December 31 are presented in the following tables:

 

    2012  
                Continuous Unrealized        
                Losses Existing for:        
    Number                       Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)   securities     Fair Value     12 months     12 months     Losses  
U.S. government agencies     1     $ 9,961     $ 29     $ -     $ 29  
State and municipal     13       16,868       123       -       123  
Total     14     $ 26,829     $ 152     $ -     $ 152  

 

    2011  
                Continuous Unrealized        
                Losses Existing for:        
    Number                       Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)   securities     Fair Value     12 months     12 months     Losses  
State and municipal     1     $ 541     $ 1     $ -     $ 1  
Total     1     $ 541     $ 1     $ -     $ 1  
Amortized Cost and Estimated Fair Values of Investment Securities

The amortized cost and estimated fair values of debt securities held-to-maturity by contractual maturity at December 31 are reflected in the following table. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties.

 

    2012     2011  
          Estimated           Estimated  
    Amortized     Fair     Amortized     Fair  
(In thousands)   Cost     Value     Cost     Value  
Due in one year or less   $ 7,431     $ 7,523     $ 18,860     $ 19,203  
Due after one year through five years     4,653       4,725       6,937       7,144  
Due after five years through ten years     116,735       120,074       98,428       101,008  
Due after ten years     86,995       89,702       54,240       56,812  
Total debt securities held-to-maturity   $ 215,814     $ 222,024     $ 178,465     $ 184,167
Amortized Cost and Estimated Fair Values of Investments Held-To-Maturity

The amortized cost and estimated fair values of investments held-to-maturity at December 31 are presented in the following table:

 

    2012     2011  
          Gross     Gross     Estimated           Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair     Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value     Cost     Gains     Losses     Value  
U.S. government agencies   $ 64,498     $ 125     $ (29 )   $ 64,594     $ 54,983     $ 406     $ -     $ 55,389  
State and municipal     150,995       6,194       (123 )     157,066       123,075       5,244       (1 )     128,318  
Mortgage-backed     321       43       -       364       407       53       -       460  
Total investments held-to-maturity   $ 215,814     $ 6,362     $ (152 )   $ 222,024     $ 178,465     $ 5,703     $ (1 )   $ 184,167
XML 91 R98.htm IDEA: XBRL DOCUMENT v2.4.0.6
Retail Repurchase Agreements And Other Short Term Borrowings (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Short-term Debt [Line Items]      
Retail repurchase agreements carrying amount $ 51,929 $ 63,613 $ 86,243
Retail repurchase agreements average 63,864 73,543 86,726
Retail repurchase agreements maximum $ 73,130 $ 79,529 $ 97,884
Retail Repurchase Agreements Interest Rate 0.20% 0.20% 0.30%
Retail Repurchase Agreements Average Interest Rate 0.28% 0.26% 0.30%
XML 92 R123.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary Of Financial Instruments With Off-Balance Sheet Credit Risk (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Disclosure Summary Of Financial Instruments With Off Balance Sheet Credit Risk [Line Items]    
Total Commitments to extend credit and available credit lines $ 1,061,133 $ 872,764
Commercial
    
Disclosure Summary Of Financial Instruments With Off Balance Sheet Credit Risk [Line Items]    
Total Commitments to extend credit and available credit lines 186,014 79,567
Real Estate Development and Construction
    
Disclosure Summary Of Financial Instruments With Off Balance Sheet Credit Risk [Line Items]    
Total Commitments to extend credit and available credit lines 79,480 76,940
Residential Real Estate Mortgage
    
Disclosure Summary Of Financial Instruments With Off Balance Sheet Credit Risk [Line Items]    
Total Commitments to extend credit and available credit lines 56,445 20,922
Lines Of Credit Principally Home Equity and Business Lines
    
Disclosure Summary Of Financial Instruments With Off Balance Sheet Credit Risk [Line Items]    
Total Commitments to extend credit and available credit lines 667,186 621,422
Standby Letters Of Credit
    
Disclosure Summary Of Financial Instruments With Off Balance Sheet Credit Risk [Line Items]    
Total Commitments to extend credit and available credit lines $ 72,008 $ 73,913
XML 93 R24.htm IDEA: XBRL DOCUMENT v2.4.0.6
INCOME TAXES
 12 Months Ended
Dec. 31, 2012
Income Tax Disclosure [Abstract]  
Income Taxes

Note 16 – Income Taxes

The following table provides the components of income tax expense (benefit) for the years ended December 31:

 

(In thousands)   2012     2011     2010  
Current income taxes (benefits):                        
Federal   $ 11,199     $ 6,840     $ 8,106  
State     2,913       2,327       1,423  
Total current     14,112       9,167       9,529  
Deferred income taxes (benefits):                        
Federal     3,116       5,640       (469 )
State     817       1,038       (11 )
Total deferred     3,933       6,678       (480 )
Total income tax expense (benefit)   $ 18,045     $ 15,845     $ 9,049  

 

The Company does not have uncertain tax positions that are deemed material, and did not recognize any adjustments for unrecognized tax benefits.

 

Temporary differences between the amounts reported in the financial statements and the tax bases of assets and liabilities result in deferred taxes. Deferred tax assets and liabilities, shown as the sum of the appropriate tax effect for each significant type of temporary difference, are presented in the following table at December 31 for the years indicated:

 

(In thousands)   2012     2011  
Deferred Tax Assets:                
Allowance for loan and lease losses   $ 17,132     $ 19,714  
Employee benefits     1,505       1,454  
Pension plan OCI     5,933       4,482  
Deferred loan fees and costs     579       681  
Non-qualified stock option expense     376       413  
Losses on other real estate owned     756       313  
Other than temporary impairment     323       269  
Loan and deposit premium/discount     2,267       159  
Depreciation     -       -  
Reserve for recourse loans     199       120  
Loss carryforward     88          
Other     145       111  
Gross deferred tax assets     29,304       27,716  
Valuation allowance     (88 )     -  
Net deferred tax assets     29,216       27,716  
                 
Deferred Tax Liabilities:                
Unrealized gains on investments available for sale     (13,436 )     (13,270 )
Pension plan costs     (2,644 )     (3,267 )
Depreciation     (704 )     (900 )
Intangible assets     (568 )     (286 )
Bond accretion     (109 )     (167 )
Other     (16 )     (16 )
Gross deferred tax liabilities     (17,477 )     (17,906 )
Net deferred tax asset   $ 11,739     $ 9,810  

 

The reconcilements between the statutory federal income tax rate and the effective rate for the years ended December 31 are presented in the following table:

 

(Dollars in thousands)   2012     2011     2010  
          Percentage of           Percentage of           Percentage of  
          Pre-Tax           Pre-Tax           Pre-Tax  
    Amount     Income     Amount     Income     Amount     Income  
Income tax expense at federal statutory rate   $ 19,110       35.0 %   $ 17,481       35.0 %   $ 11,399       35.0 %
Increase (decrease) resulting from:                                                
Tax exempt income, net     (2,927 )     (5.4 )     (2,945 )     (5.9 )     (2,411 )     (7.4 )
Bank-owned life insurance     (916 )     (1.7 )     (923 )     (1.9 )     (980 )     (3.0 )
State income taxes, net of federal income tax benefits     2,424       4.4       2,187       4.4       906       2.8  
Other, net     354       0.7       45       0.1       135       0.4  
Total income tax expense (benefit) and rate   $ 18,045       33.0 %   $ 15,845       31.7 %   $ 9,049       27.8 %

 
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Amortized Cost and Estimated Fair Values of Debt Securities Held-To-Maturity by Contractual Maturity (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Amortized Cost    
Due in one year or less $ 7,431 $ 18,860
Due after one year through five years 4,653 6,937
Due after five years through ten years 116,735 98,428
Due after ten years 86,995 54,240
Total debt securities held-to-maturity 215,814 178,465
Estimated Fair Value    
Due in one year or less 7,523 19,203
Due after one year through five years 4,725 7,144
Due after five years through ten years 120,074 101,008
Due after ten years 89,702 56,812
Total debt securities held-to-maturity $ 222,024 $ 184,167
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Plan's funded status (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Reconciliation of Projected Benefit Obligation:      
Projected obligation at January 1 $ 32,387 $ 30,633  
Interest cost 1,534 1,541 1,490
Actuarial loss 137 360  
Benefit payments (702) (1,484)  
Increase related to discount rate change 5,483 1,337  
Projected obligation at December 31 38,839 32,387 30,633
Reconciliation of Fair Value of Plan Assets:      
Fair value of plan assets at January 1 29,341 26,839  
Actual return on plan assets 1,951 986  
Contribution 0 3,000  
Benefit payments (702) (1,484)  
Fair value of plan assets at December 31 30,590 29,341 26,839
Funded status at December 31 (8,249) (3,046)  
Accumulated benefit obligation at December 31 38,839 32,387  
Unrecognized net actuarial loss 14,879 11,240 10,618
Net periodic pension cost not yet recognized $ 14,879 $ 11,240 $ 10,618
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CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)
In Thousands, unless otherwise specified
Total
Preferred Stock
Common Stock
Warrants
Additional Paid-In Capital
Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Balances at Dec. 31, 2009 $ 373,586 $ 80,095 $ 16,488 $ 3,699 $ 87,334 $ 188,622 $ (2,652)
Net income 23,520 0 0 0 0 23,520 0
Other comprehensive income, net of tax 32           32
Redemption of preferred stock - 83,094 shares (83,094) (83,094) 0 0 0 0 0
Common stock dividends - $0.46 per share in 2012, $0.34 per share in 2011, $0.04 per share in 2010 (893) 0 0 0 0 (893) 0
Preferred stock dividends - $50.00 per share (3,151) 0 0 0 0 (3,151) 0
Stock compensation expense 904 0 0 0 904 0 0
Discount accretion 0 2,999 0 0 0 (2,999) 0
Common stock issued pursuant to:              
Common stock issuance 95,634 0 7,475 0 88,159 0 0
Stock option plan - 3,906 shares in 2012, 2,037 shares in 2011, 30,498 shares in 2010 465 0 31 0 434 0 0
Employee stock purchase plan - 30,795 shares in 2012, 33,284 shares in 2011, 33,826 shares in 2010 420 0 34 0 386 0 0
Director stock purchase plan - 1,083 shares in 2012, 1,833 shares in 2011, 3,709 shares in 2010 55 0 4 0 51 0 0
Restricted stock - 46,512 shares in 2012, 30,853 shares in 2011, 15,477 shares in 2010 87 0 15 0 72 0 0
DRIP plan - 265 shares 4 0 0 0 4 0 0
Balances at Dec. 31, 2010 407,569 0 24,047 3,699 177,344 205,099 (2,620)
Net income 34,102 0 0 0 0 34,102 0
Other comprehensive income, net of tax 15,868           15,868
Common stock dividends - $0.46 per share in 2012, $0.34 per share in 2011, $0.04 per share in 2010 (8,259) 0 0 0 0 (8,259) 0
Stock compensation expense 1,207 0 0 0 1,207 0 0
Stock warrant redemption (4,449) 0 0 (3,699) (750) 0 0
Common stock issued pursuant to:              
Stock option plan - 3,906 shares in 2012, 2,037 shares in 2011, 30,498 shares in 2010 25 0 2 0 23 0 0
Employee stock purchase plan - 30,795 shares in 2012, 33,284 shares in 2011, 33,826 shares in 2010 500 0 33 0 467 0 0
Director stock purchase plan - 1,083 shares in 2012, 1,833 shares in 2011, 3,709 shares in 2010 32 0 2 0 30 0 0
Restricted stock - 46,512 shares in 2012, 30,853 shares in 2011, 15,477 shares in 2010 (152) 0 31 0 (183) 0 0
Purchase of treasury shares - 23,592 shares (334) 0 (24) 0 (310) 0 0
Balances at Dec. 31, 2011 446,109 0 24,091 0 177,828 230,942 13,248
Net income 36,554 0 0 0 0 36,554 0
Other comprehensive income, net of tax (1,936) 0 0 0 0 0 (1,936)
Common stock dividends - $0.46 per share in 2012, $0.34 per share in 2011, $0.04 per share in 2010 (11,890) 0 0 0 0 (11,890) 0
Stock compensation expense 1,451 0 0 0 1,451 0 0
Common stock issued pursuant to:              
Common stock issuance 13,023 0 732 0 12,291 0 0
Stock option plan - 3,906 shares in 2012, 2,037 shares in 2011, 30,498 shares in 2010 51 0 4 0 47 0 0
Employee stock purchase plan - 30,795 shares in 2012, 33,284 shares in 2011, 33,826 shares in 2010 478 0 31 0 447 0 0
Director stock purchase plan - 1,083 shares in 2012, 1,833 shares in 2011, 3,709 shares in 2010 19 0 1 0 18 0 0
Restricted stock - 46,512 shares in 2012, 30,853 shares in 2011, 15,477 shares in 2010 (347) 0 46 0 (393) 0 0
Balances at Dec. 31, 2012 $ 483,512 $ 0 $ 24,905 $ 0 $ 191,689 $ 255,606 $ 11,312
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CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Investments held-to-maturity, fair value $ 222,024 $ 184,167
Common stock, par value $ 1.00 $ 1.00
Common stock, shares authorized 50,000,000 50,000,000
Common stock, shares issued 24,905,392 24,091,042
Common stock, shares outstanding 24,905,392 24,091,042
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DEPOSITS
 12 Months Ended
Dec. 31, 2012
Deposits [Abstract]  
Deposits

Note 9 – Deposits

The following table presents the composition of deposits at December 31 for the years indicated:

 

(In thousands)   2012     2011  
Noninterest-bearing deposits   $ 847,415     $ 650,377  
Interest-bearing deposits:                
Demand     428,048       367,682  
Money market savings     884,367       858,732  
Regular savings     228,384       195,408  
Time deposits of less than $100,000     307,445       316,058  
Time deposits of $100,000 or more     217,375       268,263  
Total interest-bearing deposits     2,065,619       2,006,143  
Total deposits   $ 2,913,034     $ 2,656,520  

 

Demand deposit overdrafts reclassified as loan balances were $2.0 million and $1.0 million at December 31, 2012 and 2011, respectively. Overdraft charge-offs and recoveries are reflected in the allowance for loan and lease losses.

 

The following table presents the maturity schedule for time deposits maturing within years ending December 31:

 

(In thousands)   Amount  
2013   $ 332,369  
2014     130,585  
2015     24,569  
2016     17,177  
2017     20,120  
Total time deposits   $ 524,820  

 

The Company's time deposits of $100,000 or more represented 7.5% of total deposits at December 31, 2012 and are presented by maturity in the following table:

 

    3 or     Over 3     Over 6     Over        
(In thousands)   Less     to 6     to 12     12     Total  
Time deposits--$100 thousand or more   $ 38,204     $ 35,670     $ 54,110     $ 89,391     $ 217,375  

 

Interest expense on time deposits of $100,000 or more amounted to $2.4 million, $3.3 million and $5.2 million for the years ended December 31, 2012, 2011 and 2010, respectively.
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Fair Values of all Options Granted Estimated Using Binomial Option-Pricing Model with Weighted-average Assumptions (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Dividend yield 2.17% 1.72% 0.27%
Weighted average expected volatility 50.90% 46.87% 45.06%
Weighted average risk-free interest rate 1.14% 2.58% 2.91%
Weighted average expected lives (in years) 5 years 4 months 6 days 5 years 8 months 12 days 5 years 9 months 29 days
Weighted average grant-date fair value $ 7.85 $ 7.76 $ 6.65
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Deposits - Additional Information (Detail) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Disclosure Deposits [Line Items]      
Demand deposit overdrafts reclassified as loan $ 2 $ 1  
Percentage of time deposits over total deposits 7.50%    
Interest expense on time deposits $ 2.4 $ 3.3 $ 5.2
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Net Carrying Amount of Goodwill By Segment (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Goodwill [Line Items]      
Goodwill $ 84,808 $ 76,816 $ 76,816
Net goodwill resulting from acquisition 7,992    
Goodwill, Period Increase (Decrease) 84,808 76,816 76,816
Community Banking
      
Goodwill [Line Items]      
Net goodwill resulting from acquisition 7,992    
Goodwill, Period Increase (Decrease) 70,628 62,636 62,636
Insurance
      
Goodwill [Line Items]      
Net goodwill resulting from acquisition 0    
Goodwill, Period Increase (Decrease) 5,191 5,191 5,191
Investment Management
      
Goodwill [Line Items]      
Net goodwill resulting from acquisition 0    
Goodwill, Period Increase (Decrease) $ 8,989 $ 8,989 $ 8,989
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Net Accumulated Other Comprehensive Income (Loss) (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Accumulated Other Comprehensive Income (Loss) [Line Items]      
Beginning Balance $ 13,248 $ (2,620) $ (2,652)
Period change, net of tax (1,936) 15,868 32
Ending Balance 11,312 13,248 (2,620)
Unrealized Gain(Loss) on Investements Available-for-Sale
      
Accumulated Other Comprehensive Income (Loss) [Line Items]      
Beginning Balance 20,006 3,764 3,845
Period change, net of tax 252 16,242 (81)
Ending Balance 20,258 20,006 3,764
Pension Plans, Defined Benefit
      
Accumulated Other Comprehensive Income (Loss) [Line Items]      
Beginning Balance (6,758) (6,384) (6,497)
Period change, net of tax (2,188) (374) 113
Ending Balance $ (8,946) $ (6,758) $ (6,384)
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Statements of Cash Flows (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Cash Flows from Operating Activities:      
Net income $ 36,554 $ 34,102 $ 23,520
Adjustments to reconcile net income to net cash provided by operating activities:      
Share based compensation expense 1,451 1,207 904
Net change in other liabilities 6,939 12,491 (3,040)
Other - net 3,954 5,893 4,948
Net cash provided by operating activities 52,790 67,710 56,647
Cash Flows from Investing Activities:      
Purchases of investments available-for-sale (264,993) (370,657) (725,641)
Acquisition of business activity, net of cash acquired (849) 0 0
Net cash used by investing activities (56,565) (199,544) 83,281
Cash Flows from Financing Activities:      
Redemption of preferred stock 0 0 (83,094)
Redemption of stock warrant 0 (4,449) 0
Proceeds from issuance of common stock 98 314 96,464
Tax benefit from stock options exercised 102 91 201
Repurchase of common stock 0 (334) 0
Dividends paid (11,891) (8,259) (4,563)
Net cash provided (used) by financing activities 17,867 141,031 (136,607)
Net increase (decrease) in cash and cash equivalents 14,092 9,197 3,321
Cash and cash equivalents at beginning of period 72,314 63,117 59,796
Cash and cash equivalents at end of period 86,406 72,314 63,117
Sandy Spring Bancorp, Inc
      
Cash Flows from Operating Activities:      
Net income 36,554 34,102 23,520
Adjustments to reconcile net income to net cash provided by operating activities:      
Equity in undistributed income-subsidiary (25,285) (13,305) (24,013)
Dividends receivable from subsidiary bank   (13,000) 0
Share based compensation expense 1,451 1,207 904
Net change in other liabilities (158) (184) 43
Increase (Decrease) in Dividends Receivable 13,000    
Other - net (10,804) (87) 14
Net cash provided by operating activities 14,758 8,733 468
Cash Flows from Investing Activities:      
Purchases of investments available-for-sale (511) 0 0
Acquisition of business activity, net of cash acquired (849) 0 0
Net cash used by investing activities (1,360) 0 0
Cash Flows from Financing Activities:      
Redemption of preferred stock 0 0 (83,094)
Redemption of stock warrant 0 (4,449) 0
Proceeds from issuance of common stock 99 314 96,464
Tax benefit from stock options exercised 102 91 201
Repurchase of common stock 0 (334) 0
Dividends paid (11,890) (8,259) (4,563)
Net cash provided (used) by financing activities (11,689) (12,637) 9,008
Net increase (decrease) in cash and cash equivalents 1,709 (3,904) 9,476
Cash and cash equivalents at beginning of period 8,326 12,230 2,754
Cash and cash equivalents at end of period $ 10,035 $ 8,326 $ 12,230
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Deferred Tax Asets And Liabilities (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Deferred Tax Assets:    
Allowance for loan and lease losses $ 17,132 $ 19,714
Employee benefits 1,505 1,454
Pension plan OCI 5,933 4,482
Deferred loan fees and costs 579 681
Non-qualified stock option expense 376 413
Losses on other real estate owned 756 313
Other than temporary impairment 323 269
Loan and deposit premium/discount 2,267 159
Depreciation 0 0
Reserve for recourse loans 199 120
Loss carryforward 88 0
Other 145 111
Gross deferred tax assets 29,304 27,716
Valuation allowance (88) 0
Net deferred tax assets 29,216 27,716
Deferred Tax Liabilities:    
Unrealized gains on investments available for sale (13,436) (13,270)
Pension plan costs (2,644) (3,267)
Depreciation (704) (900)
Intangible assets (568) (286)
Bond accretion (109) (167)
Other (16) (16)
Gross deferred tax liabilities (17,477) (17,906)
Net deferred tax asset $ 11,739 $ 9,810
XML 106 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information (USD $)
In Millions, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Mar. 04, 2013
Jun. 30, 2012
Document Type 10-K    
Amendment Flag false    
Document Period End Date Dec. 31, 2012    
Document Fiscal Year Focus 2012    
Document Fiscal Period Focus FY    
Trading Symbol SASR    
Entity Registrant Name SANDY SPRING BANCORP INC    
Entity Central Index Key 0000824410    
Current Fiscal Year End Date --12-31    
Entity Well-Known Seasoned Issuer No    
Entity Current Reporting Status Yes    
Entity Voluntary Filers No    
Entity Filer Category Accelerated Filer    
Entity Common Stock Shares Outstanding   24,909,565  
Entity Public Float     $ 438
XML 107 R125.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value - Additional Information (Detail) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Fair Value of Financial Instruments [Line Items]      
Impaired loans $ 48,773,000 $ 67,575,000 $ 69,614,000
Impaired Loans Fair Value 43,600,000 59,800,000  
Specific loan loss Reserves $ 5,200,000 $ 7,800,000  
XML 108 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
BORROWINGS
 12 Months Ended
Dec. 31, 2012
Debt Disclosure [Abstract]  
Borrowings

Note 10 – Borrowings

 

Information relating to retail repurchase agreements and other short-term borrowings is presented in the following table at and for the years ending December 31:

 

    2012     2011     2010  
(Dollars in thousands)   Amount     Rate     Amount     Rate     Amount     Rate  
Retail repurchase agreements   $ 51,929       0.20 %   $ 63,613       0.20 %   $ 86,243       0.30 %
Average for the Year:                                                
Retail repurchase agreements   $ 63,864       0.28 %   $ 73,543       0.26 %   $ 86,726       0.30 %
Maximum Month-end Balance:                                                
Retail repurchase agreements   $ 73,130             $ 79,529             $ 97,884          

 

The Company pledges U.S. Agencies and Corporate securities, based upon their market values, as collateral for 102.5% of the principal and accrued interest of its retail repurchase agreements.

 

At December 31, 2012, the Company has an available line of credit for $1.2 billion with the Federal Home Loan Bank of Atlanta (the "FHLB") under which its borrowings are limited to $699.1 million based on pledged collateral at prevailing market interest rates. At December 31, 2012, total pledged collateral for the FHLB advances was $440.1. At December 31, 2011, lines of credit totaled $1.1 billion under which $498.3 million was available based on pledged collateral. Total collateral pledged at December 31, 2011 was $485.4 million which included $80.0 million for overnight funds and $405.4 for the FHLB advances. Both short-term and long-term FHLB advances are fully collateralized by pledges of loans. Under a blanket lien, the Company has pledged qualifying residential mortgage loans amounting to $399.1 million, commercial loans amounting to $552.6 million, home equity lines of credit (“HELOC”) amounting to $313.6 million and multifamily loans amounting to $8.0 million at December 31, 2012 as collateral under the borrowing agreement with the FHLB. At December 31, 2011 the Company had pledged collateral of qualifying mortgage loans of $319.2 million, commercial loans of $514.8 million, HELOC loans of $322.0 million and multifamily loans of $13.0 million under the FHLB borrowing agreement. The Company also had lines of credit available from the Federal Reserve and correspondent banks of $411.6 million and $315.2 million at December 31, 2012 and 2011, respectively, collateralized by loans and state and municipal securities. In addition, the Company had unsecured lines of credit with correspondent banks of $55.0 million and $55.0 million at December 31, 2012 and 2011, respectively. At December 31, 2012 there were no outstanding borrowings against these lines of credit.

 

Advances from FHLB and the respective maturity schedule at December 31 for the years indicated consisted of the following:

 

    2012     2011  
          Weighted           Weighted  
          Average           Average  
(Dollars in thousands)   Amounts     Rate     Amounts     Rate  
Maturity:                                
One year   $ 35,058       0.36 %   $ 350       0.37 %
Two years     -       -       58       4.13  
Three years     -       -       -       -  
Four years     40,000       4.47       -       -  
Five years     85,000       3.57       160,000       4.51  
After five years     280,000       2.91       245,000       2.84  
Total advances from FHLB   $ 440,058       2.97     $ 405,408       2.99
XML 109 R80.htm IDEA: XBRL DOCUMENT v2.4.0.6
Credit Quality of Loan Portfolio (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days $ 11,660 $ 22,036
61-90 days 3,793 4,258
> 90 days 247 577
Total past due 15,700 26,871
Non-accrual loans and leases 47,548 71,680
Loans aquired with deteriorated credit quality 7,200  
Current loans 2,460,680 2,141,141
Total loans and leases 2,531,128 2,239,692
Commercial Loan
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 2,138 1,467
61-90 days 212 62
> 90 days 24 0
Total past due 2,374 1,529
Non-accrual loans and leases 4,611 7,226
Loans aquired with deteriorated credit quality 1,978  
Current loans 337,745 251,572
Total loans and leases 346,708 260,327
Leases
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 7 7
61-90 days 68 0
> 90 days 0 2
Total past due 75 9
Non-accrual loans and leases 865 853
Loans aquired with deteriorated credit quality 0  
Current loans 2,481 6,092
Total loans and leases 3,421 6,954
Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 496 467
61-90 days 101 20
> 90 days 14 165
Total past due 611 652
Non-accrual loans and leases 2,410 1,786
Loans aquired with deteriorated credit quality 0  
Current loans 353,969 357,642
Total loans and leases 356,990 360,080
Commercial Real Estate Portfolio Segment | Commercial Acquisition, Development and Construction
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 0 717
61-90 days 0 0
> 90 days 0 0
Total past due 0 717
Non-accrual loans and leases 6,332 18,702
Loans aquired with deteriorated credit quality 332  
Current loans 145,269 141,527
Total loans and leases 151,933 160,946
Commercial Real Estate Portfolio Segment | Commercial Investor Real Estate
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 2,020 10,723
61-90 days 0 0
> 90 days 0 0
Total past due 2,020 10,723
Non-accrual loans and leases 11,843 16,963
Loans aquired with deteriorated credit quality 949  
Current loans 442,076 344,262
Total loans and leases 456,888 371,948
Commercial Real Estate Portfolio Segment | Commercial Owner Occupied Real Estate
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 1,556 1,677
61-90 days 1,809 2,537
> 90 days 209 0
Total past due 3,574 4,214
Non-accrual loans and leases 13,681 14,709
Loans aquired with deteriorated credit quality 3,941  
Current loans 550,314 503,153
Total loans and leases 571,510 522,076
Residential Real Estate Portfolio Segment | Residential Mortgage
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 5,443 5,246
61-90 days 1,603 1,639
> 90 days 0 167
Total past due 7,046 7,052
Non-accrual loans and leases 4,681 5,722
Loans aquired with deteriorated credit quality 0  
Current loans 511,637 435,888
Total loans and leases 523,364 448,662
Residential Real Estate Portfolio Segment | Residential Construction
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
31-60 days 0 1,732
61-90 days 0 0
> 90 days 0 243
Total past due 0 1,975
Non-accrual loans and leases 3,125 5,719
Loans aquired with deteriorated credit quality 0  
Current loans 117,189 101,005
Total loans and leases $ 120,314 $ 108,699
XML 110 R90.htm IDEA: XBRL DOCUMENT v2.4.0.6
Gross Carrying Amounts and Accumulated Amortization of Intangible Assets and Goodwill (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2012
Core Deposits
Dec. 31, 2011
Core Deposits
Dec. 31, 2012
Other Intangible Assets
Dec. 31, 2011
Other Intangible Assets
Dec. 31, 2012
Amortization of Intangible Assets
Dec. 31, 2011
Amortization of Intangible Assets
Dec. 31, 2012
Amortization of Intangible Assets
Core Deposits
Dec. 31, 2011
Amortization of Intangible Assets
Core Deposits
Dec. 31, 2012
Amortization of Intangible Assets
Other Intangible Assets
Dec. 31, 2011
Amortization of Intangible Assets
Other Intangible Assets
Goodwill And Intangible Assets [Line Items]                          
Gross Carrying Amount               $ 18,327 $ 18,017 $ 9,716 $ 9,716 $ 8,611 $ 8,301
Accumulated Amortization               (15,164) (13,283) (7,964) (6,575) (7,200) (6,708)
Net Carrying Amount 3,163 4,734           3,163 4,734 1,752 3,141 1,411 1,593
Weighted average useful life 15 years     1 year 3 months 18 days 2 years 3 months 18 days 3 years 1 month 6 days 3 years 6 months            
Goodwill gross 84,808 76,816                      
Goodwill $ 84,808 $ 76,816 $ 76,816                    
XML 111 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest Income:      
Interest and fees on loans and leases $ 115,574 $ 107,355 $ 115,789
Interest on loans held for sale 841 577 534
Interest on deposits with banks 111 77 177
Interest and dividends on investment securities:      
Taxable 17,951 22,096 24,624
Exempt from federal income taxes 9,392 9,363 7,222
Interest on federal funds sold 1 2 3
Total interest income 143,870 139,470 148,349
Interest Expense:      
Interest on deposits 7,357 11,002 16,934
Interest on retail repurchase agreements and federal funds purchased 204 212 269
Interest on advances from FHLB 14,131 14,397 14,599
Interest on subordinated debt 959 913 940
Total interest expense 22,651 26,524 32,742
Net interest income 121,219 112,946 115,607
Provision for loan and lease losses 3,649 1,428 25,908
Net interest income after provision for loan and lease losses 117,570 111,518 89,699
Non-interest Income:      
Investment securities gains 459 292 796
Total other-than-temporary impairment ("OTTI") losses (109) (178) (1,505)
Portion of OTTI losses recognized in other comprehensive income, before taxes 0 18 993
Net OTTI recognized in earnings (109) (160) (512)
Service charges on deposit accounts 8,910 9,527 10,326
Mortgage banking activities 6,032 3,228 3,664
Wealth management income 15,949 15,646 13,725
Insurance agency commissions 4,490 4,650 5,229
Income from bank owned life insurance 2,616 2,636 2,800
Visa check fees 3,887 3,637 3,325
Other income 4,722 4,044 4,429
Total non-interest income 46,956 43,500 43,782
Non-interest Expenses:      
Salaries and employee benefits 62,509 59,625 55,470
Occupancy expense of premises 12,010 11,519 11,477
Equipment expenses 4,871 4,705 4,808
Marketing 2,651 2,389 2,359
Outside data services 5,019 4,159 3,992
FDIC insurance 2,573 3,187 4,497
Amortization of intangible assets 1,881 1,845 1,959
Other expenses 18,413 17,642 16,350
Total non-interest expenses 109,927 105,071 100,912
Income before income taxes 54,599 49,947 32,569
Income tax expense 18,045 15,845 9,049
Net income 36,554 34,102 23,520
Preferred stock dividends and discount accretion 0 0 6,149
Net income available to common stockholders $ 36,554 $ 34,102 $ 17,371
Net Income Per Share Amounts:      
Basic net income per share $ 1.49 $ 1.42 $ 1.05
Basic net income per common share $ 1.49 $ 1.42 $ 0.78
Diluted net income per share $ 1.48 $ 1.41 $ 1.05
Diluted net income per common share $ 1.48 $ 1.41 $ 0.78
Dividends declared per common share $ 0.48 $ 0.34 $ 0.04
XML 112 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
INVESTMENTS
 12 Months Ended
Dec. 31, 2012
Investments [Abstract]  
Investments

Note 4 – Investments

Investments available-for-sale

The amortized cost and estimated fair values of investments available-for-sale at December 31 are presented in the following table:

 

    2012     2011  
          Gross     Gross     Estimated           Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair     Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value     Cost     Gains     Losses     Value  
U.S. government agencies   $ 155,442     $ 1,084     $ (98 )   $ 156,428     $ 197,816     $ 2,436     $ -     $ 200,252  
State and municipal     160,496       13,996       (1 )     174,491       160,657       12,456       (2 )     173,111  
Mortgage-backed     471,527       19,080       (128 )     490,479       551,518       18,639       (13 )     570,144  
Corporate debt     2,000       -       (4 )     1,996       2,000       -       (22 )     1,978  
Trust preferred     1,701       -       (236 )     1,465       5,936       260       (480 )     5,716  
Total debt securities     791,166       34,160       (467 )     824,859       917,927       33,791       (517 )     951,201  
Marketable equity securities     723       -       -       723       100       -       -       100  
Total investments available-for-sale   $ 791,889     $ 34,160     $ (467 )   $ 825,582     $ 918,027     $ 33,791     $ (517 )   $ 951,301  

 

Any unrealized losses in the U.S. government agencies, state and municipal, mortgage-backed or corporate debt investment securities at December 31, 2012 are the result of changes in interest rates and are not considered credit related. These declines are considered temporary in nature and will decline over time and recover as these securities approach maturity.

 

The mortgage-backed portfolio at December 31, 2012 is composed entirely of either the most senior tranches of GNMA collateralized mortgage obligations ($206.6 million), or GNMA, FNMA or FHLMC mortgage-backed securities ($283.9 million). The Company does not intend to sell these securities and has sufficient liquidity to hold these securities for an adequate period of time, which may be maturity, to allow for any anticipated recovery in fair value.

  

At December 31, 2012, the trust preferred portfolio consisted of one pooled trust preferred security. The pooled trust preferred security is backed by debt issued by banks and thrifts, which totals $1.7 million, with a fair value of $1.4 million. The fair value of this security was determined by a third party valuation specialist due to the limited trading activity for this security in the marketplace.

 

The specialist used an income valuation approach technique (present value) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs. The methodology and significant assumptions employed by the specialist to determine fair value included:

· Evaluation of the structural terms as established in the indenture;
· Detailed credit and structural evaluation for each piece of issuer collateral in the pool;
· Overall default (.38%), recovery and prepayment (2%) amortization probabilities by issuers in the pool;
· Identification of adverse conditions specifically related to the security, industry and geographical area;
· Projection of estimated cash flows that incorporate default expectations and loss severities;
· Review of historical and implied volatility of the fair value of the security;
· Evaluation of credit risk concentrations;
· Evaluation of the length of time and the extent to which the fair value has been less than the amortized cost; and
· A discount rate of 12.0% was established using credit adjusted financial institution spreads for comparably rated institutions and a liquidity adjustment that considered the previously noted characteristics.

 

As a result of this evaluation, it was determined that the pooled trust preferred security incurred credit-related other-than-temporary impairment (“OTTI”) of $109 thousand, which was recognized in earnings for the year ended December 31, 2012. Non-credit related OTTI on this security, which is not expected to be sold and which the Company has the ability to hold until maturity, was $0.3 million at December 31, 2012. This non-credit related OTTI was recognized in other accumulated comprehensive income (“OCI”) at December 31, 2012.

 

The methodology and significant inputs used to measure the amount related to credit loss consisted of the following:

 

· Default rates were developed based on the financial condition of the trust preferred issuers in the pool and the payment or deferral status. Conditional default rates were estimated based on the payment characteristics of the security and the financial condition of the issuers in the pool. Near term and future defaults are estimated using third party industry data in addition to a review of key financial ratios and other pertinent data on the financial stability of the underlying issuer;
· Loss severity is forecasted based on the type of impairment using research performed by third parties;
· The security contains one level of subordination below the senior tranche, with the senior tranche receiving the spread from the subordinate bonds. It is not expected that the senior tranche will receive its full interest and principal at the bond’s maturity date given the recent performance;
· Credit ratings of the underlying issuers are reviewed in conjunction with the development of the default rates applied to determine the credit amounts related to the credit loss; and
· Potential prepayments have been estimated based on terms and rates of the underlying trust preferred securities to determine the impact of excess spread on the credit enhancement, the removal of the strongest institutions from the underlying pool and any impact that prepayments might have on diversity and concentration.

  

The following table provides the activity of OTTI on investment securities due to credit losses recognized in earnings for the period indicated:

 

(In thousands)   OTTI Losses  
Cumulative credit losses on investment securities, through December 31, 2010     262  
Additions for credit losses not previously recognized     160  
Cumulative credit losses on investment securities, through December 31, 2011     422  
Additions for credit losses not previously recognized     109  
Cumulative credit losses on investment securities, through December 31, 2012   $ 531  

 

Gross unrealized losses and fair values by length of time that the individual available-for-sale securities have been in an unrealized loss position at December 31 are presented in the following table:

 

    2012  
                Continuous Unrealized        
    Number           Losses Existing for:     Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)   securities     Fair Value     12 months     12 months     Losses  
U.S. government agencies     2     $ 29,900     $ 98     $ -     $ 98  
State and municipal     1       390       1       -       1  
Mortgage-backed     2       12,653       128       -       128  
Corporate debt     1       1,996       4       -       4  
Trust preferred     1       1,465       -       236       236  
Total     7     $ 46,404     $ 231     $ 236     $ 467  

 

    2011  
                Continuous Unrealized        
    Number           Losses Existing for:     Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)   securities     Fair Value     12 months     12 months     Losses  
State and municipal     1     $ 397     $ 2     $ -     $ 2  
Mortgage-backed     3       5,081       13       -       13  
Corporate debt     1       3,326       22       -       22  
Trust preferred     1       2,467       -       480       480  
Total     6     $ 11,271     $ 37     $ 480     $ 517  

 

The amortized cost and estimated fair values of investment securities available-for-sale by contractual maturity at December 31 are provided in the following table. The Company has allocated mortgage-backed securities into the four maturity groupings reflected in the following table using the expected average life of the individual securities based on statistics provided by independent third party industry sources. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties.

 

    2012     2011  
          Estimated           Estimated  
    Amortized     Fair     Amortized     Fair  
(In thousands)   Cost     Value     Cost     Value  
Due in one year or less   $ 35,544     $ 36,349     $ 65,569     $ 65,972  
Due after one year through five years     3,957       3,994       62,993       64,656  
Due after five years through ten years     382,957       399,180       342,813       354,238  
Due after ten years     368,708       385,336       446,552       466,335  
Total debt securities available for sale   $ 791,166     $ 824,859     $ 917,927     $ 951,201  

 

At December 31, 2012 and 2011, investments available-for-sale with a book value of $195.4 million and $255.4 million, respectively, were pledged as collateral for certain government deposits and for other purposes as required or permitted by law. The outstanding balance of no single issuer, except for U.S. Agencies securities, exceeded ten percent of stockholders' equity at December 31, 2012 and 2011.

 

Investments held-to-maturity

The amortized cost and estimated fair values of investments held-to-maturity at December 31 are presented in the following table:

 

    2012     2011  
          Gross     Gross     Estimated           Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair     Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value     Cost     Gains     Losses     Value  
U.S. government agencies   $ 64,498     $ 125     $ (29 )   $ 64,594     $ 54,983     $ 406     $ -     $ 55,389  
State and municipal     150,995       6,194       (123 )     157,066       123,075       5,244       (1 )     128,318  
Mortgage-backed     321       43       -       364       407       53       -       460  
Total investments held-to-maturity   $ 215,814     $ 6,362     $ (152 )   $ 222,024     $ 178,465     $ 5,703     $ (1 )   $ 184,167  

 

Gross unrealized losses and fair values by length of time that the individual held-to-maturity securities have been in a continuous unrealized loss position at December 31 are presented in the following tables:

 

    2012  
                Continuous Unrealized        
    Number           Losses Existing for:     Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)   securities     Fair Value     12 months     12 months     Losses  
U.S. government agencies     1     $ 9,961     $ 29     $ -     $ 29  
State and municipal     13       16,868       123       -       123  
Total     14     $ 26,829     $ 152     $ -     $ 152  

 

    2011  
                Continuous Unrealized        
    Number           Losses Existing for:     Total  
    of           Less than     More than     Unrealized  
(Dollars in thousands)     securities       Fair Value       12 months       12 months       Losses  
State and municipal     1     $ 541     $ 1     $ -     $ 1  
Total     1     $ 541     $ 1     $ -     $ 1  

 

The Company does not intend to sell these securities and has sufficient liquidity to hold these securities for an adequate period of time, which may be maturity, to allow for any anticipated recovery in fair value, and substantiates that the unrealized losses in the held-to-maturity portfolio are considered temporary in nature.

 

The amortized cost and estimated fair values of debt securities held-to-maturity by contractual maturity at December 31 are reflected in the following table. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties.

 

    2012     2011  
          Estimated           Estimated  
    Amortized     Fair     Amortized     Fair  
(In thousands)   Cost     Value     Cost     Value  
Due in one year or less   $ 7,431     $ 7,523     $ 18,860     $ 19,203  
Due after one year through five years     4,653       4,725       6,937       7,144  
Due after five years through ten years     116,735       120,074       98,428       101,008  
Due after ten years     86,995       89,702       54,240       56,812  
Total debt securities held-to-maturity   $ 215,814     $ 222,024     $ 178,465     $ 184,167  

 

At December 31, 2012 and 2011, investments held-to-maturity with a book value of $155.5 million and $58.7 million, respectively, were pledged as collateral for certain government deposits and for other purposes as required or permitted by law. The outstanding balance of no single issuer, except for U.S. Agency securities, exceeded ten percent of stockholders' equity at December 31, 2012 and 2011.

 

Equity securities

Other equity securities at the dates indicated are presented in the following table:

 

(In thousands)   2012     2011  
Federal Reserve Bank stock   $ 8,269     $ 7,530  
Federal Home Loan Bank of Atlanta stock     25,367       27,328  
Other equities     -       75  
Total equity securities   $ 33,636     $ 34,933  

 

Securities gains

Gross realized gains and losses on all investments for the periods indicated are presented in the following table:

 

    For the year ended December 31,  
(In thousands)   2012     2011     2010  
Gross realized gains from sales of investments available-for-sale   $ 56     $ -     $ 1,001  
Gross realized losses from sales of investments available-for-sale     -       -       (371 )
Net gains or (losses) from calls of investments available-for-sale     294       205       99  
Net gains or (losses) from calls of investments held-to-maturity     109       87       67  
Net securities gains   $ 459     $ 292     $ 796

 
XML 113 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
CASH AND DUE FROM BANKS
 12 Months Ended
Dec. 31, 2012
Cash and Cash Equivalents [Abstract]  
Cash and Due from Banks

Note 3 – Cash and Due from Banks

The Federal Reserve Act requires that banks maintain cash reserve balances with the Federal Reserve Bank based principally on the type and amount of their deposits. At its option, the Company maintains additional balances to compensate for clearing and safekeeping services. The average balance maintained in 2012 was $42.9 million and in 2011 was $31.8 million.
XML 114 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE
 12 Months Ended
Dec. 31, 2012
Other Income and Expenses [Abstract]  
Other Non-Interest Income And Other Non-Interest Expense

Note 15 – OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE

Selected components of other non-interest income and other non-interest expense for the years ended December 31 are presented in the following table:

 

(In thousands)   2012     2011     2010  
Letter of credit fees   $ 992     $ 1,123     $ 1,019  
Extension fees     590       406       594  
Other income     3,140       2,515       2,816  
Total other non-interest income   $ 4,722     $ 4,044     $ 4,429  

 

(In thousands)   2012     2011     2010  
Professional fees   $ 6,309     $ 4,942     $ 5,586  
Other real estate owned     905       2,412       976  
Postage and delivery     1,255       1,257       1,328  
Communications     1,596       1,433       1,433  
Other expenses     8,348       7,598       7,027  
Total other non-interest expense   $ 18,413     $ 17,642     $ 16,350
XML 115 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
SUBORDINATED DEBENTURES
 12 Months Ended
Dec. 31, 2012
Brokers and Dealers [Abstract]  
Subordinated Debentures

Note 11 – SUBORDINATED DEBENTURES

The Company formed Sandy Spring Capital Trust II (“Capital Trust”) to facilitate the pooled placement issuance of $35.0 million of trust preferred securities on August 10, 2004. In conjunction with this issuance, the Company issued subordinated debt to the Capital Trust. The subordinated debt converted from a fixed rate interest of 6.35% at July 7, 2009 to a variable rate, adjusted quarterly, equal to 225 basis points over the three month Libor. At December 31, 2012, the rate on the subordinated debt was 2.59%. The obligations of the Company under the debt are subordinated to all other debt except other trust preferred securities, which may have equal subordination. The debt has a maturity date of October 7, 2034, but may be called by the Company at any time subsequent to October 7, 2009 on each respective quarterly distribution date.
XML 116 R84.htm IDEA: XBRL DOCUMENT v2.4.0.6
Changes in Accretable Discount Related to Acquired Credit Impaired Loans (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Accretable Discount Related Acquired Credit Impaired Loans [Line Items]  
Balance at January 1, 2012 $ 0
CommerceFirst acquisition 1,056
Accretion recognized to date (363)
Net reclassification from accretable to non-accretable 0
Balance at December 31, 2012 $ 693
XML 117 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2012
Property, Plant and Equipment [Abstract]  
Premises and Equipment

Note 7 – Premises and Equipment

Presented in the following table are the components of premises and equipment at December 31:

 

(In thousands)   2012     2011  
Land   $ 9,954     $ 9,954  
Buildings and leasehold improvements     61,456       60,944  
Equipment     38,510       39,682  
Total premises and equipment     109,920       110,580  
Less: accumulated depreciation and amortization     (61,594 )     (62,097 )
Net premises and equipment   $ 48,326     $ 48,483  

 

Depreciation and amortization expense for premises and equipment amounted to $4.5 million, $4.3 million and $4.3 million for the years ended December 31, 2012, 2011 and 2010, respectively.

 

Total rental expense of premises and equipment, net of rental income, for the years ended December 31, 2012, 2011 and 2010 was $6.6 million, $5.9 million and $5.9 million, respectively. Lease commitments entered into by the Company bear initial terms varying from 3 to 15 years, or they are 20-year ground leases, and are associated with premises.

 

Future minimum lease payments, including any additional rents due to escalation clauses, for all non-cancelable operating leases within the years ending December 31 are presented in the table below:

 

    Operating  
(In thousands)   Leases  
2013   $ 6,024  
2014     5,692  
2015     3,975  
2016     3,003  
2017     2,013  
Thereafter     4,629  
Total minimum lease payments   $ 25,336  
XML 118 R60.htm IDEA: XBRL DOCUMENT v2.4.0.6
Cash And Due From Banks - Additional Information (Detail) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Cash and Due From Banks [Line Items]    
Additional balances in Federal Reserve Bank to compensate for clearing and safekeeping services $ 42.9 $ 31.8
XML 119 R110.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Periodic Benefit Cost (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Defined Benefit Plan Disclosure [Line Items]      
Interest cost on projected benefit obligation $ 1,534 $ 1,541 $ 1,490
Expected return on plan assets (1,165) (1,070) (1,201)
Recognized net actuarial loss 1,194 1,159 1,156
Net periodic benefit cost $ 1,563 $ 1,630 $ 1,445
XML 120 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS AND LEASES
 12 Months Ended
Dec. 31, 2012
Receivables [Abstract]  
Loans and Leases

Note 5 – Loans and Leases

The lending business of the Company is based on understanding, measuring and controlling the credit risk inherent in the loan portfolio. The Company’s loan and lease portfolio is subject to varying degrees of credit risk. Credit risk entails both general risks, which are inherent in the process of lending, and risk specific to individual borrowers. The Company’s credit risk is mitigated through portfolio diversification, which limits exposure to any single customer, industry or collateral type.

  

Outstanding loan balances at December 31, 2012 and 2011 are net of unearned income including net deferred loan costs of $1.4 million and $2.0 million, respectively, and $2.5 million of acquired loan discounts associated with the acquisition of CommerceFirst at December 31, 2012. The loan portfolio segment balances at December 31 are presented in the following table:

 

(In thousands)   2012     2011  
Residential real estate:                
Residential mortgage   $ 523,364     $ 448,662  
Residential construction     120,314       108,699  
Commercial real estate:                
Commercial owner occupied real estate     571,510       522,076  
Commercial investor real estate     456,888       371,948  
Commercial acquisition, development and construction     151,933       160,946  
Commercial Business     346,708       260,327  
Leases     3,421       6,954  
Consumer     356,990       360,080  
Total loans and leases   $ 2,531,128     $ 2,239,692  

 

Portfolio Segments

The Company currently manages its credit products and the respective exposure to credit losses (credit risk) by the following specific portfolio segments (classes) which are levels at which the Company develops and documents its systematic methodology to determine the allowance for loan and lease losses attributable to each respective portfolio segment. These segments are:

 

· Commercial business loans – Commercial loans are made to provide funds for equipment and general corporate needs. Repayment of a loan primarily uses the funds obtained from the operation of the borrower’s business. Commercial loans also include lines of credit that are utilized to finance a borrower’s short-term credit needs and/or to finance a percentage of eligible receivables and inventory.
· Commercial acquisition, development and construction loans –Commercial acquisition, development and construction loans are intended to finance the construction of commercial properties and include loans for the acquisition and development of land. Construction loans represent a higher degree of risk than permanent real estate loans and may be affected by a variety of factors such as the borrower’s ability to control costs and adhere to time schedules and the risk that constructed units may not be absorbed by the market within the anticipated time frame or at the anticipated price. The loan commitment on these loans often includes an interest reserve that allows the lender to periodically advance loan funds to pay interest charges on the outstanding balance of the loan.
· Commercial owner occupied real estate loans - Commercial owned-occupied real estate loans consist of commercial mortgage loans secured by owner occupied properties where an established banking relationship exists and involves a variety of property types to conduct the borrower’s operations. The primary source of repayment for this type of loan is the cash flow from the business and is based upon the borrower’s financial health and the ability of the borrower and the business to repay.
· Commercial investor real estate loans - Commercial investor real estate loans consist of loans secured by non-owner occupied properties where an established banking relationship exists and involves investment properties for warehouse, retail, and office space with a history of occupancy and cash flow. This commercial real estate category contains mortgage loans to the developers and owners of commercial real estate where the borrower intends to operate or sell the property at a profit and use the income stream or proceeds from the sale(s) to repay the loan.
· Leases - The Company’s loan portfolio also includes a small portfolio of equipment leases, which consists of leases for essential commercial equipment used by small to medium sized businesses.
· Consumer loans - This category of loans includes primarily home equity loans and lines, installment loans, personal lines of credit and marine loans. The home equity category consists mainly of revolving lines of credit to consumers which are secured by residential real estate. These loans are typically secured with second mortgages on the homes. Other consumer loans include installment loans used by customers to purchase automobiles, boats and recreational vehicles.

 

· Residential mortgage loans – The residential real estate category contains permanent mortgage loans principally to consumers secured by residential real estate. Residential real estate loans are evaluated for the adequacy of repayment sources at the time of approval, based upon measures including credit scores, debt-to-income ratios, and collateral values. Loans may be either conforming or non-conforming.
· Residential construction loans - The Company makes residential real estate construction loans generally to provide interim financing on residential property during the construction period. Borrowers are typically individuals who will ultimately occupy the single-family dwelling. Loan funds are disbursed periodically as pre-specified stages of completion are attained based upon site inspections.

 

Loans to Related Parties

Certain directors and executive officers have loan transactions with the Company. Such loans were made in the ordinary course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with outsiders. The following schedule summarizes changes in amounts of loans outstanding, both direct and indirect, to these persons during the periods indicated:

 

(In thousands)   2012     2011  
Balance at January 1   $ 20,235     $ 22,842  
Additions     847       176  
Repayments     (588 )     (2,783 )
Balance at December 31   $ 20,494     $ 20,235  

 
XML 121 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
CREDIT QUALITY ASSESSMENT
 12 Months Ended
Dec. 31, 2012
Credit Quality Assessment [Abstract]  
Credit Quality Assessment

Note 6 – CREDIT QUALITY ASSESSMENT

Allowance for Loan and Lease Losses

Credit risk can vary significantly as losses, as a percentage of outstanding loans, can vary widely during economic cycles and are sensitive to changing economic conditions. The amount of loss in any particular type of loan can vary depending on the purpose of the loan and the underlying collateral securing the loan. Collateral securing commercial loans can range from accounts receivable to equipment to improved or unimproved real estate depending on the purpose of the loan. Home mortgage and home equity loans and lines are typically secured by first or second liens on residential real estate. Consumer loans may be secured by personal property, such as auto loans or they may be unsecured loan products.

Management has an internal credit process in place to maintain credit standards. This process along with an in-house loan administration, accompanied by oversight and review procedures, combines to control and manage credit risk. The primary purpose of loan underwriting is the evaluation of specific lending risks that involves the analysis of the borrower’s ability to service the debt as well as the assessment of the value of the underlying collateral. Oversight and review procedures include the monitoring of the portfolio credit quality, early identification of potential problem credits and the management of the problem credits. As part of the oversight and review process, the Company maintains an allowance for loan and lease losses (the “allowance”) to absorb estimated and probable losses in the loan and lease portfolio. The allowance is based on consistent, periodic review and evaluation of the loan and lease portfolio, along with ongoing, monthly assessments of the probable losses and problem credits in each portfolio. While portions of the allowance are attributed to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio.

 

 Summary information on the allowance for loan and lease loss activity for the years ended December 31 is provided in the following table:

Year Ended December 31,
(In thousands) 2012 2011 2010
Balance at beginning of year $ 49,426 $ 62,135 $ 64,559
Provision for loan and lease losses 3,649 1,428 25,908
Loan and lease charge-offs (12,804 ) (16,505 ) (32,616 )
Loan and lease recoveries 2,686 2,368 4,284
Net charge-offs (10,118 ) (14,137 ) (28,332 )
Balance at period end $ 42,957 $ 49,426 $ 62,135

The following tables provide information on the activity in the allowance for loan and lease losses by the respective loan portfolio segment for the years ended December 31:

2012
Commercial Real Estate Residential Real Estate
Commercial
Commercial Commercial Commercial Owner Residential Residential
(Dollars in thousands) Business AD&C Investor R/E Occupied R/E Leasing Consumer Mortgage Construction Total
Balance at beginning of year $ 6,727 $ 6,664 $ 8,248 $ 7,329 $ 795 $ 4,873 $ 10,583 $ 4,207 $ 49,426
Provision (credit) (758 ) 826 4,928 804 (478 ) 44 (167 ) (1,550 ) 3,649
Charge-offs (1,022 ) (3,281 ) (3,690 ) (1,174 ) (8 ) (1,298 ) (2,107 ) (224 ) (12,804 )
Recoveries 1,548 528 97 38 23 227 213 12 2,686
Net charge-offs 526 (2,753 ) (3,593 ) (1,136 ) 15 (1,071 ) (1,894 ) (212 ) (10,118 )
Balance at end of period $ 6,495 $ 4,737 $ 9,583 $ 6,997 $ 332 $ 3,846 $ 8,522 $ 2,445 $ 42,957
Total loans and leases $ 346,708 $ 151,933 $ 456,888 $ 571,510 $ 3,421 $ 356,990 $ 523,364 $ 120,314 $ 2,531,128
Allowance for loans and leases to total loans and leases ratio 1.87 % 3.12 % 2.10 % 1.22 % 9.70 % 1.08 % 1.63 % 2.03 % 1.70 %
Balance of loans specifically evaluated for impairment $ 8,984 $ 6,332 $ 11,843 $ 15,184 na. $ 31 $ 4,528 $ 1,871 $ 48,773
Allowance for loans specifically evaluated for impairment $ 2,597 $ - $ 774 $ 598 na. na. $ 713 $ 467 $ 5,149
Specific allowance to specific loans ratio 28.91 % 0.00 % 6.54 % 3.94 % na. na. 15.75 % 24.96 % 10.56 %
Balance of loans collectively evaluated $ 337,724 $ 145,601 $ 445,045 $ 556,326 $ 3,421 $ 356,959 $ 518,836 $ 118,443 $ 2,482,355
Allowance for loans collectively evaluated $ 3,898 $ 4,737 $ 8,809 $ 6,399 $ 332 $ 3,846 $ 7,809 $ 1,978 $ 37,808
Collective allowance to collective loans ratio 1.15 % 3.25 % 1.98 % 1.15 % 9.70 % 1.08 % 1.51 % 1.67 % 1.52 %

2011
Commercial Real Estate Residential Real Estate
Commercial
Commercial Commercial Commercial Owner Residential Residential
(Dollars in thousands) Business AD&C Investor R/E Occupied R/E Leasing Consumer Mortgage Construction Total
Balance at beginning of year $ 12,870 $ 18,241 $ 4,793 $ 8,177 $ 667 $ 4,231 $ 10,396 $ 2,760 $ 62,135
Provision (credit) (4,252 ) (11,035 ) 4,320 (361 ) 1,182 3,173 5,144 3,257 1,428
Charge-offs (2,565 ) (1,780 ) (868 ) (487 ) (1,072 ) (2,740 ) (5,178 ) (1,815 ) (16,505 )
Recoveries 674 1,238 3 - 18 209 221 5 2,368
Net charge-offs (1,891 ) (542 ) (865 ) (487 ) (1,054 ) (2,531 ) (4,957 ) (1,810 ) (14,137 )
Balance at end of year $ 6,727 $ 6,664 $ 8,248 $ 7,329 $ 795 $ 4,873 $ 10,583 $ 4,207 $ 49,426
Total loans and leases $ 260,327 $ 160,946 $ 371,948 $ 522,076 $ 6,954 $ 360,080 $ 448,662 $ 108,699 $ 2,239,692
Allowance for loans and leases to total loans and leases ratio 2.58 % 4.14 % 2.22 % 1.40 % 11.43 % 1.35 % 2.36 % 3.87 % 2.21 %
Balance of loans specifically evaluated for impairment $ 9,092 $ 18,701 $ 16,964 $ 15,416 na. $ 35 $ 5,108 $ 2,259 $ 67,575
Allowance for loans specifically evaluated for impairment $ 1,037 $ 7 $ 3,380 $ 1,772 na. na. $ 769 $ 826 $ 7,791
Specific allowance to specific loans ratio 11.41 % 0.04 % 19.92 % 11.49 % na. na. 15.05 % 36.56 % 11.53 %
Balance of loans collectively evaluated $ 251,235 $ 142,245 $ 354,984 $ 506,660 $ 6,954 $ 360,045 $ 443,554 $ 106,440 $ 2,172,117
Allowance for loans collectively evaluated $ 5,690 $ 6,657 $ 4,868 $ 5,557 $ 795 $ 4,873 $ 9,814 $ 3,381 $ 41,635
Collective allowance to collective loans ratio 2.26 % 4.68 % 1.37 % 1.10 % 11.43 % 1.35 % 2.21 % 3.18 % 1.92 %

 

The Company’s methodology for evaluating whether a loan is impaired begins with risk-rating credits on an individual basis and includes consideration of the borrower’s overall financial condition, payment record and available cash resources that may include the collateral value and, in a select few cases, verifiable support from financial guarantors. In measuring impairment, the Company looks primarily to the discounted cash flows of the project itself or to the value of the collateral as the primary sources of repayment of the loan. Collateral values or estimates of discounted cash flows (inclusive of any potential cash flow from guarantees) are evaluated to estimate the probability and severity of potential losses. The actual occurrence and severity of losses involving impaired credits can differ substantially from estimates.

The Company may consider the existence of guarantees and the financial strength and wherewithal of the guarantors involved in any loan relationship. Guarantees may be considered as a source of repayment based on the guarantor’s financial condition and respective payment capacity. Accordingly, absent a verifiable payment capacity, a guarantee alone would not be sufficient to avoid classifying the loan as impaired.

Management has established a credit process that dictates that procedures be performed to monitor impaired loans between the receipt of an original appraisal and the updated appraisal. These procedures include the following:

· An internal evaluation is updated quarterly to include borrower financial statements and/or cash flow projections.
· The borrower may be contacted for a meeting to discuss an updated or revised action plan which may include a request for additional collateral.
· Re-verification of the documentation supporting the Company’s position with respect to the collateral securing the loan.
· At the monthly credit committee meeting the loan may be downgraded.
· Upon receipt of the updated appraisal or based on an updated internal financial evaluation, the loan balance is compared to the appraisal and a specific allowance is determined for the particular loan, typically for the amount of the difference between the appraisal and the loan balance.
· The Company will specifically reserve for or charge-off the excess of the loan amount over the amount of the appraisal. In certain cases the Company may establish a larger reserve due to knowledge of current market conditions or the existence of an offer for the collateral that will facilitate a more timely resolution of the loan.

The Company generally follows a policy of not extending maturities on non-performing loans under existing terms. Certain performing loans that have displayed some inherent weakness in the underlying collateral values, an inability to comply with certain loan covenants which do not affect the performance of the credit or other identified weakness may have their terms extended on an exception basis. Maturity date extensions only occur under revised terms that place the Company in a better position to fully collect the loan under the contractual terms and /or terms at the time of the extension that may eliminate or mitigate the inherent weakness in the loan. These terms may incorporate, but are not limited to additional assignment of collateral, significant balance curtailments/liquidations and assignments of additional project cash flows. Documented or demonstrated guarantees may be a consideration in the extension of loan maturities. As a general matter, the Company does not view extension of a loan to be a satisfactory approach to resolving non-performing credits.

Loans that have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief or other concessions to a borrower experiencing financial difficulty are considered trouble debt restructured loans. All restructurings that constitute concessions to a troubled borrower are considered impaired loans that may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided there is a sufficient period of payment performance in accordance with the restructure terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if their revised loans terms are considered to be consistent with terms that can be obtained in the credit market for loans with comparable risk. At December 31, 2012, restructured loans totaled $20.0 million, of which $10.1 million were accruing and $9.9 million were non-accruing. The Company has commitments to lend $5.1 million in additional funds on loans that have been restructured at December 31, 2012. Restructured loans at December 31, 2011 totaled $27.1 million, of which $6.9 million were accruing and $20.2 million were non-accruing. Commitments to lend additional funds on loans that have been restructured at December 31, 2011 amounted to $2.6 million.

 

The following table provides summary information regarding impaired loans at December 31 and for the years then ended:

(In thousands) 2012 2011 2010
Impaired loans with a valuation allowance $ 27,526 $ 36,742 $ 18,946
Impaired loans without a valuation allowance 21,247 30,833 50,668
Total impaired loans $ 48,773 $ 67,575 $ 69,614
Allowance for loan and lease losses related to impaired loans $ 5,149 $ 7,791 $ 3,845
Allowance for loan and lease losses related to loans collectively evaluated 37,808 41,635 58,290
Total allowance for loan and lease losses $ 42,957 $ 49,426 $ 62,135
Average impaired loans for the period $ 57,438 $ 68,377 $ 75,556
Contractual interest income due on impaired loans during the period $ 4,433 $ 4,973 $ 6,651
Interest income on impaired loans recognized on a cash basis $ 1,121 $ 1,523 $ -
Interest income on impaired loans recognized on an accrual basis $ 560 $ 325 $ 524

The following tables present the recorded investment with respect to impaired loans, the associated allowance by the applicable portfolio segment and the principal balance of the impaired loans prior to amounts charged-off at December 31 for the years indicated:

2012
Commercial Real Estate Total Recorded
Commercial All Investment in
Commercial Commercial Owner Other Impaired
(In thousands) Commercial AD&C Investor R/E Occupied R/E Loans Loans
Impaired loans with a specific allowance
Non-accruing $ 2,514 $ - $ 10,219 $ 4,319 $ - $ 17,052
Restructured accruing 2,981 - - 1,503 3,419 7,903
Restructured non-accruing 228 - - 1,039 1,304 2,571
Balance $ 5,723 $ - $ 10,219 $ 6,861 $ 4,723 $ 27,526
Allowance $ 2,597 $ - $ 774 $ 598 $ 1,180 $ 5,149
Impaired loans without a specific allowance
Non-accruing $ 1,846 $ 3,033 $ 577 $ 6,191 $ - $ 11,647
Restructured accruing 1,392 - - - 815 2,207
Restructured non-accruing 23 3,299 1,047 2,132 892 7,393
Balance $ 3,261 $ 6,332 $ 1,624 $ 8,323 $ 1,707 $ 21,247
Total impaired loans
Non-accruing $ 4,360 $ 3,033 $ 10,796 $ 10,510 $ - $ 28,699
Restructured accruing 4,373 - - 1,503 4,234 10,110
Restructured non-accruing 251 3,299 1,047 3,170 2,196 9,964
Balance $ 8,984 $ 6,332 $ 11,843 $ 15,184 $ 6,430 $ 48,773
Unpaid principal balance in total impaired loans $ 11,506 $ 21,590 $ 15,405 $ 17,928 $ 6,904 $ 73,333

2012
Commercial Real Estate Total Recorded
Commercial All Investment in
Commercial Commercial Owner Other Impaired
(In thousands) Commercial AD&C Investor R/E Occupied R/E Loans Loans
Average impaired loans for the period $ 8,659 $ 12,270 $ 13,838 $ 16,172 $ 6,499 $ 57,438
Contractual interest income due on impaired loans during the period $ 527 $ 1,222 $ 1,181 $ 1,391 $ 112
Interest income on impaired loans recognized on a cash basis $ 121 $ 323 $ 175 $ 420 $ 82
Interest income on impaired loans recognized on an accrual basis $ 257 $ - $ - $ 102 $ 201

 

2011
Commercial Real Estate Total Recorded
Commercial All Investment in
Commercial Commercial Owner Other Impaired
(In thousands) Commercial AD&C Investor R/E Occupied R/E Loans Loans
Impaired loans with a specific allowance
Non-accruing $ 1,110 $ - $ 13,812 $ 4,091 $ 1,093 $ 20,106
Restructured accruing 1,346 - - 707 3,475 5,528
Restructured non-accruing 307 6,504 628 3,282 387 11,108
Balance $ 2,763 $ 6,504 $ 14,440 $ 8,080 $ 4,955 $ 36,742
Allowance $ 1,037 $ 7 $ 3,380 $ 1,772 $ 1,595 $ 7,791
Impaired loans without a specific allowance
Non-accruing $ 3,416 $ 7,798 $ 1,883 $ 6,464 $ 800 $ 20,361
Restructured accruing 520 - - - 833 1,353
Restructured non-accruing 2,393 4,399 641 872 814 9,119
Balance $ 6,329 $ 12,197 $ 2,524 $ 7,336 $ 2,447 $ 30,833
Total impaired loans
Non-accruing $ 4,526 $ 7,798 $ 15,695 $ 10,555 $ 1,893 $ 40,467
Restructured accruing 1,866 - - 707 4,308 6,881
Restructured non-accruing 2,700 10,903 1,269 4,154 1,201 20,227
Balance $ 9,092 $ 18,701 $ 16,964 $ 15,416 $ 7,402 $ 67,575
Unpaid principal balance in total impaired loans $ 11,303 $ 37,442 $ 17,389 $ 16,466 $ - $ 82,600

2011
Commercial Real Estate Total Recorded
Commercial All Investment in
Commercial Commercial Owner Other Impaired
(In thousands) Commercial AD&C Investor R/E Occupied R/E Loans Loans
Average impaired loans for the period $ 9,800 $ 27,005 $ 11,409 $ 13,942 $ 6,221 $ 68,377
Contractual interest income due on impaired loans during the period $ 583 $ 1,743 $ 830 $ 800 $ 1,017
Interest income on impaired loans recognized on a cash basis $ 267 $ 487 $ 93 $ 471 $ 205
Interest income on impaired loans recognized on an accrual basis $ 114 $ - $ - $ 45 $ 166

Credit Quality

The following tables provide information on the credit quality of the loan portfolio by segment at December 31 for the years indicated:

2012
Commercial Real Estate Residential Real Estate
Commercial
Commercial Commercial Owner Residential Residential
(In thousands) Commercial AD&C Investor R/E Occupied R/E Leasing Consumer Mortgage Construction Total
Non-performing loans and assets:
Non-accrual loans and leases $ 4,611 $ 6,332 $ 11,843 $ 13,681 $ 865 $ 2,410 $ 4,681 $ 3,125 $ 47,548
Loans and leases 90 days past due 24 - - 209 - 14 - - 247
Restructured loans and leases 4,373 - - 1,503 - 31 4,203 - 10,110
Total non-performing loans and leases 9,008 6,332 11,843 15,393 865 2,455 8,884 3,125 57,905
Other real estate owned 1,829 - 220 2,396 - - 1,401 80 5,926
Total non-performing assets $ 10,837 $ 6,332 $ 12,063 $ 17,789 $ 865 $ 2,455 $ 10,285 $ 3,205 $ 63,831

 

 2011
Commercial Real Estate Residential Real Estate
Commercial
Commercial Commercial Owner Residential Residential
(In thousands) Commercial AD&C Investor R/E Occupied R/E Leasing Consumer Mortgage Construction Total
Non-performing loans and assets:
Non-accrual loans and leases $ 7,226 $ 18,702 $ 16,963 $ 14,709 $ 853 $ 1,786 $ 5,722 $ 5,719 $ 71,680
Loans and leases 90 days past due - - - - 2 165 167 243 577
Restructured loans and leases 1,866 - - 707 - 35 3,579 694 6,881
Total non-performing loans and leases 9,092 18,702 16,963 15,416 855 1,986 9,468 6,656 79,138
Other real estate owned 100 - 462 273 - - 3,395 201 4,431
Total non-performing assets $ 9,192 $ 18,702 $ 17,425 $ 15,689 $ 855 $ 1,986 $ 12,863 $ 6,857 $ 83,569

2012
Commercial Real Estate Residential Real Estate
Commercial
Commercial Commercial Owner Residential Residential
(In thousands) Commercial AD&C Investor R/E Occupied R/E Leasing Consumer Mortgage Construction Total
Past due loans and leases
31-60 days $ 2,138 $ - $ 2,020 $ 1,556 $ 7 $ 496 $ 5,443 $ - $ 11,660
61-90 days 212 - - 1,809 68 101 1,603 - 3,793
> 90 days 24 - - 209 - 14 - - 247
Total past due 2,374 - 2,020 3,574 75 611 7,046 - 15,700
Non-accrual loans and leases 4,611 6,332 11,843 13,681 865 2,410 4,681 3,125 47,548
Loans aquired with deteriorated credit quality 1,978 332 949 3,941 - - - - 7,200
Current loans 337,745 145,269 442,076 550,314 2,481 353,969 511,637 117,189 2,460,680
Total loans and leases $ 346,708 $ 151,933 $ 456,888 $ 571,510 $ 3,421 $ 356,990 $ 523,364 $ 120,314 $ 2,531,128

2011
Commercial Real Estate Residential Real Estate
Commercial
Commercial Commercial Owner Residential Residential
(In thousands) Commercial AD&C Investor R/E Occupied R/E Leasing Consumer Mortgage Construction Total
Past due loans and leases
31-60 days $ 1,467 $ 717 $ 10,723 $ 1,677 $ 7 $ 467 $ 5,246 $ 1,732 $ 22,036
61-90 days 62 - - 2,537 - 20 1,639 - 4,258
> 90 days - - - - 2 165 167 243 577
Total past due 1,529 717 10,723 4,214 9 652 7,052 1,975 26,871
Non-accrual loans and leases 7,226 18,702 16,963 14,709 853 1,786 5,722 5,719 71,680
Current loans 251,572 141,527 344,262 503,153 6,092 357,642 435,888 101,005 2,141,141
Total loans and leases $ 260,327 $ 160,946 $ 371,948 $ 522,076 $ 6,954 $ 360,080 $ 448,662 $ 108,699 $ 2,239,692

Loans and leases are monitored for credit quality on a recurring basis. The credit quality indicators used are dependent on the portfolio segment to which the loan relates. Commercial loans and leases and non-commercial loans and leases have different credit quality indicators as a result of the methods used to monitor each of these loan segments.

The credit quality indicators for commercial loans and leases are developed through review of individual borrowers on an ongoing basis. Each borrower is evaluated at least annually with more frequent evaluation of more severely criticized loans and leases. The indicators represent the rating for loans or leases as of the date presented based on the most recent credit review performed. These credit quality indicators are defined as follows:

Pass - A pass rated credit is not adversely classified because it does not display any of the characteristics for adverse classification.

Special mention – A special mention credit has potential weaknesses that deserve management’s close attention. If uncorrected, such weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification.

 

Substandard – A substandard loan is inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.

Doubtful – A loan that is classified as doubtful has all the weaknesses inherent in a loan classified as substandard with added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.

Loss – Loans classified as a loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.

The following tables provide information by credit risk rating indicators for each segment of the commercial loan portfolio at December 31 for the years indicated:

2012
Commercial Real Estate
Commercial
Commercial Commercial Owner
(In thousands) Commercial AD&C Investor R/E Occupied R/E Total
Pass $ 305,348 $ 141,802 $ 405,448 $ 520,844 $ 1,374,262
Special Mention 13,603 1,793 21,963 17,262 54,621
Substandard 26,091 8,338 28,885 32,613 95,107
Doubtful 1,666 - 592 791 3,049
Total $ 346,708 $ 151,933 $ 456,888 $ 571,510 $ 1,527,039

2011
Commercial Real Estate
Commercial
Commercial Commercial Owner
(In thousands) Commercial AD&C Investor R/E Occupied R/E Total
Pass $ 225,048 $ 137,181 $ 331,095 $ 469,309 $ 1,162,633
Special Mention 8,551 2,207 9,592 22,103 42,453
Substandard 25,720 21,558 31,261 30,664 109,203
Doubtful 1,008 - - - 1,008
Total $ 260,327 $ 160,946 $ 371,948 $ 522,076 $ 1,315,297

Homogeneous loan pools do not have individual loans subjected to internal risk ratings therefore, the credit indicator applied to these pools is based on their delinquency status. The following tables provide information by credit risk rating indicators for those remaining segments of the loan portfolio at December 31 for the years indicated:

2012
Residential Real Estate
Residential Residential
(In thousands) Leasing Consumer Mortgage Construction Total
Performing $ 2,556 $ 354,535 $ 514,480 $ 117,189 $ 988,760
Non-performing:
90 days past due - 14 - - 14
Non-accruing 865 2,410 4,681 3,125 11,081
Restructured loans and leases - 31 4,203 - 4,234
Total $ 3,421 $ 356,990 $ 523,364 $ 120,314 $ 1,004,089

2011
Residential Real Estate
Residential Residential
(In thousands) Leasing Consumer Mortgage Construction Total
Performing $ 6,099 $ 358,094 $ 439,194 $ 102,043 $ 905,430
Non-performing:
90 days past due 2 165 167 243 577
Non-accruing 853 1,786 5,722 5,719 14,080
Restructured loans and leases - 35 3,579 694 4,308
Total $ 6,954 $ 360,080 $ 448,662 $ 108,699 $ 924,395

During the year ended December 31, 2012, the Company restructured $4.9 million in loans. Modifications consisted principally of interest rate concessions. No modifications resulted in the reduction of the recorded investment in the associated loan balances. Restructured loans are subject to periodic credit reviews to determine the necessity and adequacy of a specific loan loss allowance based on the collectability of the recorded investment in the restructured loan. Loans restructured during 2012 have specific reserves of $1.2 million at December 31, 2012. For the year ended December 31, 2011, the Company restructured $10.3 million in loans. Modifications consisted principally of interest rate concessions and no modifications resulted in the reduction of the recorded investment in the associated loan balances. Loans restructured during 2011 had specific reserves of $1.9 million thousand at December 31, 2011.

The following table provides the amounts of the restructured loans at the date of restructuring for specific segments of the loan portfolio during the period indicated:

For the Year Ended December 31, 2012
Commercial Real Estate
Commercial All
Commercial Commercial Owner Other
(In thousands) Commercial AD&C Investor R/E Occupied R/E Loans Total
Troubled debt restructurings
Restructured accruing $ 2,600 $ - $ - $ 1,014 $ - $ 3,614
Restructured non-accruing - - - - 1,304 1,304
Balance $ 2,600 $ - $ - $ 1,014 $ 1,304 $ 4,918
Specific allowance $ 552 $ - $ - $ 204 $ 467 $ 1,223
Restructured and subsequently defaulted $ - $ - $ - $ - $ - $ -

For the Year Ended December 31, 2011
Commercial Real Estate
Commercial All
Commercial Commercial Owner Other
(In thousands) Commercial AD&C Investor R/E Occupied R/E Loans Total
Troubled debt restructurings
Restructured accruing $ 1,696 $ - $ - $ - $ 3,590 $ 5,286
Restructured non-accruing 469 - 1,269 2,475 763 4,976
Balance $ 2,165 $ - $ 1,269 $ 2,475 $ 4,353 $ 10,262
Specific allowance $ 254 $ - $ 93 $ 509 $ 1,027 $ 1,883
Restructured and subsequently defaulted $ - $ - $ - $ - $ 509 $ 509

Changes in the accretable yield related to loans acquired with evidence of deteriorated credit quality are as follows:

(In thousands) Amount
Balance at January 1, 2012 $ -
CommerceFirst acquisition 1,056
Accretion recognized to date (363 )
Net reclassification from accretable to non-accretable -
Balance at December 31, 2012 $ 693

Other Real Estate Owned

Other real estate owned totaled $5.9 million and $4.4 million at December 31, 2012 and 2011, respectively. The increase compared to the prior year end was due primarily to balances added as a result of the CommerceFirst acquisition.
XML 122 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
GOODWILL AND OTHER INTANGIBLE ASSETS
 12 Months Ended
Dec. 31, 2012
Goodwill and Intangible Assets Disclosure [Abstract]  
Goodwill and Other Intangible Assets

Note 8 – Goodwill and Other Intangible Assets

The gross carrying amounts and accumulated amortization of intangible assets and goodwill are presented at December 31 in the following table:

 

    2012     Weighted   2011     Weighted
    Gross           Net     Average   Gross           Net     Average
    Carrying     Accumulated     Carrying     Remaining   Carrying     Accumulated     Carrying     Remaining
(Dollars in thousands)   Amount     Amortization     Amount     Life   Amount     Amortization     Amount     Life
Amortizing intangible assets:                                                        
Core deposit intangibles   $ 9,716     $ (7,964 )   $ 1,752     1.3 years   $ 9,716     $ (6,575 )   $ 3,141     2.3 years
Other identifiable intangibles     8,611       (7,200 )     1,411     3.1 years     8,301       (6,708 )     1,593     3.5 years
Total amortizing intangible assets   $ 18,327     $ (15,164 )   $ 3,163         $ 18,017     $ (13,283 )   $ 4,734      
                                                         
Goodwill   $ 84,808             $ 84,808         $ 76,816             $ 76,816      

 

During 2012, the acquisition of CommerceFirst Bancorp, Inc. and customer listing by a subsidiary resulted in the addition of $0.3 million in other intangible assets.

 

The following table presents the net carrying amount of goodwill by segment for the periods indicated:

 

    Community           Investment        
(In thousands)   Banking     Insurance     Management     Total  
Balance December 31, 2010   $ 62,636     $ 5,191     $ 8,989     $ 76,816  
No activity     -       -       -       -  
Balance December 31, 2011     62,636       5,191       8,989       76,816  
CommerceFirst Acquisition     7,992       -       -       7,992  
Balance December 31, 2012   $ 70,628     $ 5,191     $ 8,989     $ 84,808  

 

The following table presents the estimated future amortization expense for amortizing intangible assets within the years ending December 31:

 

(In thousands)   Amount  
2013   $ 1,845  
2014     818  
2015     370  
2016     92  
2017     14  
Thereafter     24  
Total amortizing intangible assets   $ 3,163  

 
XML 123 R64.htm IDEA: XBRL DOCUMENT v2.4.0.6
Gross Unrealized Losses and Fair Value by Length of Time of Available-For-Sale Securities (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
OptionPlan
Dec. 31, 2011
OptionPlan
Available-for-Sale Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Number of securities 7 6
Fair Value $ 46,404 $ 11,271
Less than 12 months 231 37
More than 12 months 236 480
Total Unrealized Losses 467 517
State and municipal
    
Schedule of Available-for-sale Securities [Line Items]    
Number of securities 13 1
State and municipal | Available-for-Sale Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Number of securities 1 1
Fair Value 390 397
Less than 12 months 1 2
More than 12 months 0 0
Total Unrealized Losses 1 2
Mortgage-Backed | Available-for-Sale Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Number of securities 2 3
Fair Value 12,653 5,081
Less than 12 months 128 13
More than 12 months 0 0
Total Unrealized Losses 128 13
Corporate Debt | Available-for-Sale Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Number of securities 1 1
Fair Value 1,996 3,326
Less than 12 months 4 22
More than 12 months 0 0
Total Unrealized Losses 4 22
U.S. Government Agencies | Available-for-Sale Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Number of securities 2  
Fair Value 29,900  
Less than 12 months 98  
More than 12 months 0  
Total Unrealized Losses 98  
Trust Preferred | Available-for-Sale Securities
    
Schedule of Available-for-sale Securities [Line Items]    
Number of securities 1 1
Fair Value 1,465 2,467
Less than 12 months 0 0
More than 12 months 236 480
Total Unrealized Losses $ 236 $ 480
XML 124 R120.htm IDEA: XBRL DOCUMENT v2.4.0.6
Reconcilements Between Statutory Federal Income Tax Rate And Effective Tax Rate (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Disclosure Reconcilements Between Statutory Federal Income Tax Rate and Effective Tax Rate [Line Items]      
Income tax expense at federal statutory rate $ 19,110 $ 17,481 $ 11,399
Increase (decrease) resulting from:      
Income tax expense 18,045 15,845 9,049
Tax exempt income, net (2,927) (2,945) (2,411)
Bank-owned life insurance (916) (923) (980)
State income taxes, net of federal income tax benefits 2,424 2,187 906
Other, net 354 45 135
Total income tax expense (benefit) and rate $ 18,045 $ 15,845 $ 9,049
Income tax expense at federal statutory rate 35.00% 35.00% 35.00%
Increase (decrease) resulting from:      
Tax exempt income, net (5.40%) (5.90%) (7.40%)
Bank-owned life insurance (1.70%) (1.90%) (3.00%)
State income taxes, net of federal income tax benefits 4.40% 4.40% 2.80%
Other, net 0.70% 0.10% 0.40%
Total income tax expense (benefit) and rate 33.00% 31.70% 27.80%
XML 125 R85.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Changes In Amounts Of Loans Outstanding (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Related Party Transaction [Line Items]    
Balance at January 1 $ 20,235 $ 22,842
Additions 847 176
Repayments (588) (2,783)
Balance at December 31 $ 20,494 $ 20,235
XML 126 R66.htm IDEA: XBRL DOCUMENT v2.4.0.6
Amortized Cost and Estimated Fair Values of Investments Held-To-Maturity (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost $ 215,814 $ 178,465
Gross Unrealized Gains 6,362 5,703
Gross Unrealized Losses (152) (1)
Estimated Fair Value 222,024 184,167
U.S. Government Agencies
    
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost 64,498 54,983
Gross Unrealized Gains 125 406
Gross Unrealized Losses (29) 0
Estimated Fair Value 64,594 55,389
State and municipal
    
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost 150,995 123,075
Gross Unrealized Gains 6,194 5,244
Gross Unrealized Losses (123) (1)
Estimated Fair Value 157,066 128,318
Mortgage-Backed
    
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost 321 407
Gross Unrealized Gains 43 53
Gross Unrealized Losses 0 0
Estimated Fair Value $ 364 $ 460
XML 127 R102.htm IDEA: XBRL DOCUMENT v2.4.0.6
Share Based Compensation - Additional Information (Detail) (USD $)
In Millions, except Share data, unless otherwise specified
 12 Months Ended 3 Months Ended 12 Months Ended 3 Months Ended
Dec. 31, 2012
OptionPlan
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2012
2005 Omnibus Stock Plan
Dec. 31, 2012
Stock Options And Restricted Stock Units
Dec. 31, 2011
Stock Options And Restricted Stock Units
Dec. 31, 2010
Stock Options And Restricted Stock Units
Mar. 31, 2012
Stock Option
Dec. 31, 2012
Stock Option
Mar. 31, 2012
Restricted Stock
Dec. 31, 2012
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]                      
Number of share based compensation plan 2                    
Common stock, shares authorizes       1,800,000              
Common stock, shares available for issuance       1,089,814              
Exercise period, maximum 5 years 4 months 6 days 5 years 8 months 12 days 5 years 9 months 29 days 10 years              
Minimum grant price percentage       100.00%              
Recognized Compensation expense         $ 1.6 $ 1.3 $ 1.1        
Unrecognized Compensation expense   0.3                 3.0
Expected cost recognition weighted average period                 1 year 4 months 24 days    
Fair value of shares vested $ 0.2 $ 0.3 $ 0.5                
Stock granted 20,633             20,633   83,807  
Vesting period                 2 years 10 months 24 days    
XML 128 R63.htm IDEA: XBRL DOCUMENT v2.4.0.6
Activity of OTTI on Investment Securities Due to Credit Losses Recognized in Earnings (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]    
Cumulative credit losses on investment securities $ 422 $ 262
Additions for credit losses not previously recognized 109 160
Cumulative credit losses on investment securities $ 531 $ 422
XML 129 R92.htm IDEA: XBRL DOCUMENT v2.4.0.6
Estimated Future Amortization Expense for Amortizing Intangibles (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Estimated Amortization Expense for Intangible Assets and Unfavorable Lease Liability [Line Items]  
2013 $ 1,845
2014 818
2015 370
2016 92
2017 14
Thereafter 24
Total amortizing intangible assets $ 3,163
XML 130 R129.htm IDEA: XBRL DOCUMENT v2.4.0.6
Carrying Amounts And Fair Values of Company's Financial Instruments (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Financial Assets    
Investments held-to-maturity and other equity securities $ 249,450 $ 213,398
Loans, net of allowance 2,488,171 2,190,266
Accrued interest receivable and other assets 83,714 81,098
Financial Liabilities    
Time Deposits 524,820 584,321
Securities sold under retail repurchase agreements and federal funds purchased 86,929 143,613
Advances from FHLB 405,058 405,408
Subordinated debentures 35,000 35,000
Financial Assets    
Investments held-to-maturity and other equity securities 255,660 219,100
Loans, net of allowance 2,453,314 2,276,333
Accrued interest receivable and other assets 83,714 81,098
Financial Liabilities    
Time Deposits 528,074 588,818
Securities sold under retail repurchase agreements and federal funds purchased 86,929 143,613
Advances from FHLB 451,408 452,378
Subordinated debentures 9,919 9,810
Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Financial Assets    
Investments held-to-maturity and other equity securities 0 0
Loans, net of allowance 0 0
Accrued interest receivable and other assets 0 0
Financial Liabilities    
Time Deposits 0 0
Securities sold under retail repurchase agreements and federal funds purchased 0 0
Advances from FHLB 0 0
Subordinated debentures 0 0
Significant Other Observable Inputs (Level 2)
    
Financial Assets    
Investments held-to-maturity and other equity securities 255,660 219,100
Loans, net of allowance 0 0
Accrued interest receivable and other assets 83,714 81,098
Financial Liabilities    
Time Deposits 528,074 588,818
Securities sold under retail repurchase agreements and federal funds purchased 86,929 143,613
Advances from FHLB 451,408 452,378
Subordinated debentures 0 0
Significant Unobservable Inputs (Level 3)
    
Financial Assets    
Investments held-to-maturity and other equity securities 0 0
Loans, net of allowance 2,453,314 2,276,333
Accrued interest receivable and other assets 0 0
Financial Liabilities    
Time Deposits 0 0
Securities sold under retail repurchase agreements and federal funds purchased 0 0
Advances from FHLB 0 0
Subordinated debentures $ 9,919 $ 9,810
XML 131 R34.htm IDEA: XBRL DOCUMENT v2.4.0.6
SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2012
Accounting Policies [Abstract]  
Nature of Operations

Nature of Operations

Sandy Spring Bancorp (the “Company”), a Maryland corporation, is the bank holding company for Sandy Spring Bank (the “Bank”), which conducts a full-service commercial banking, mortgage banking and trust business. Services to individuals and businesses include accepting deposits, extending real estate, consumer and commercial loans and lines of credit, equipment leasing, general insurance, personal trust, and investment and wealth management services. The Company operates in the Maryland counties of Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George's, and in Arlington, Fairfax and Loudoun counties in Virginia. The Company offers investment and wealth management services through the Bank’s subsidiary, West Financial Services. Insurance products are available to clients through Sandy Spring Insurance, and Neff & Associates, which are agencies of Sandy Spring Insurance Corporation.
Basis of Presentation

Basis of Presentation

The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and prevailing practices within the financial services industry for financial information. The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Certain reclassifications have been made to prior period amounts to conform to the current period presentation. The Company has evaluated subsequent events through the date of the issuance of its financial statements.
Principles of Consolidation

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Sandy Spring Bank and its subsidiaries, Sandy Spring Insurance Corporation and West Financial Services, Inc. Consolidation has resulted in the elimination of all significant intercompany accounts and transactions.
Use of Estimates

Use of Estimates

The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, and affect the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for loan and lease losses and the related allowance, determination of impaired loans and the related measurement of impairment, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether impaired securities are other-than-temporarily impaired, valuation of other real estate owned, prepayment rates, valuation of share-based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, the calculation of current and deferred income taxes and the actuarial projections related to pension expense and the related liability.
Assets Under Management

Assets Under Management

Assets held for others under fiduciary and agency relationships are not assets of the Company or its subsidiaries and are not included in the accompanying balance sheets. Trust department income and investment management fees are presented on an accrual basis.
Cash Flows

Cash Flows

For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits with banks (items with an original maturity of three months or less).
Loans Acquired with Deteriorated Credit Quality

Loans Acquired with Deteriorated Credit Quality 

Acquired loans with evidence of credit deterioration since their origination as of the date of the acquisition are recorded at their initial fair value. Credit deterioration is determined based on the probability of collection of all contractually required principal and interest payments. The historical allowance for loan and lease losses related to the acquired loans is not carried over to the Company. The determination of credit quality deterioration as of the purchase date may include parameters such as past due and non-accrual status, commercial risk ratings, cash flow projections, type of loan and collateral, collateral value and recent loan-to-value ratios or appraised values. For loans acquired with no evidence of credit deterioration, the fair value discount or premium is amortized over the contractual life of the loan as an adjustment to yield. For loans acquired with evidence of credit deterioration, the Company determines at the acquisition date the excess of the loan’s contractually required payments over all cash flows expected to be collected as an amount that should not be accreted into interest income (nonaccretable difference). The remaining amount, representing the difference in the expected cash flows of acquired loans and the initial investment in the acquired loans, is accreted into interest income over the remaining life of the loan or pool of loans (accretable yield) using the interest method. Subsequent to the purchase date, increases in expected cash flows over those expected at the purchase date are recognized prospectively as interest income over the remaining life of the loan as an adjustment to the accretable yield. The present value of any decreases in expected cash flows after the purchase date is recognized as an impairment through a charge to the provision for loan losses. Subsequent to the purchase date, the methods utilized to estimate the required allowance for loan and lease losses are similar to originated loans. Loans carried at fair value, mortgage loans held for sale and loans under revolving credit agreements are excluded from the scope of this guidance on loans acquired with deteriorated credit quality.
Residential Mortgage Loans Held for Sale

Residential Mortgage Loans Held for Sale

The Company engages in sales of residential mortgage loans originated by the Bank. Loans held for sale are carried at fair value. Fair value is derived from secondary market quotations for similar instruments. The Company measures residential mortgage loans at fair value when the Company first recognizes the loan (i.e., the fair value option), as permitted by current accounting standards. Changes in fair value of these loans are recorded in earnings as a component of mortgage banking activities in non-interest income in the Consolidated Statements of Income. The Company's current practice is to sell such loans on a servicing released basis.
Investments Held-to-Maturity

Investments Held-to-Maturity

Investments held-to-maturity represents securities which the Company has the ability and positive intent to hold until maturity. These securities are recorded at cost at the time of acquisition. The carrying values of investments held-to-maturity are adjusted for premium amortization and discount accretion to the maturity date on the effective interest method. Related interest and dividends are included in interest income. Declines in the fair value of individual held-to-maturity investments below their cost that are other-than-temporary result in write-downs of the individual securities to their fair value. Factors that may affect the determination of whether other-than-temporary impairment (“OTTI”) has occurred include a downgrading of the security below investment grade by the rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, or that management would not have the ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.
Investments Available-for-Sale

Investments Available-for-Sale

Marketable equity securities and debt securities not classified as held-to-maturity or trading are classified as securities available-for-sale. Securities available-for-sale are acquired as part of the Company's asset/liability management strategy and may be sold in response to changes in interest rates, loan demand, changes in prepayment risk or other factors. Securities available-for-sale are carried at fair value, with unrealized gains or losses based on the difference between amortized cost and fair value, reported net of deferred tax, as accumulated other comprehensive income (loss), a separate component of stockholders' equity. The carrying values of securities available-for-sale are adjusted for premium amortization and discount accretion to the maturity date on the effective interest method. Realized gains and losses on security sales or maturities, using the specific identification method, are included as a separate component of non-interest income. Related interest and dividends are included in interest income. Declines in the fair value of individual available-for-sale securities below their cost that are other-than-temporary (“OTTI”) result in write-downs of the individual securities to their fair value. Factors affecting the determination of whether other-than-temporary impairment has occurred include a downgrading of the security below investment grade by a rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, or a change in management’s intent and ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.
Other Equity Securities

Other Equity Securities

Other equity securities include Federal Reserve stock, Federal Home Loan Bank of Atlanta stock and other equities that are considered restricted as to marketability and recorded at cost. These securities are evaluated for impairment each reporting period.
Loans and Lease Financing Receivables

Loans and Lease Financing Receivables

The Company’s financing receivables consist primarily of loans and a minimal amount of leases that are stated at their principal balance outstanding net of any unearned income and deferred fees and costs. Interest income on loans is accrued at the contractual rate based on the principal outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Lease financing receivables, all of which are direct financing leases, include aggregate payments, net of related unearned income. Leasing income is recognized on a basis that achieves a constant periodic rate of return on the outstanding lease financing balances over the lease terms.

 

Loans are considered past due or delinquent when the principal or interest due in accordance with the contractual terms of the loan agreement or any portion thereof remains unpaid after the due date of the scheduled payment. Immaterial shortfalls in payment amounts do not necessarily result in a loan being considered delinquent or past due. If any payments are past due and subsequent payments are resumed without payment of the delinquent amount, the loan shall continue to be considered past due. Whenever any loan is reported delinquent on a principal or interest payment or portion thereof, the amount reported as delinquent is the outstanding principal balance of the loan.

 

Loans and leases, except for consumer loans, are placed into non-accrual status when any portion of the loan principal or interest becomes 90 days past due. Management may determine that certain circumstances warrant earlier discontinuance of interest accruals on specific loans if an evaluation of other relevant factors (such as bankruptcy, interruption of cash flows, etc.) indicates collection of amounts contractually due is unlikely. These loans are considered, collectively, to be non-performing loans. Consumer installment loans that are not secured by real estate are not placed on non-accrual, but are charged down to their net realizable value when they are four months past due. Loans designated as non-accrual have all previously accrued but unpaid interest reversed. Payments received on non-accrual loans when doubt about the ultimate collectability of the principal not longer exists may have their interest payments recorded as interest income on a cash basis or using the cost-recovery method with all payments are applied to reduce the outstanding principal until the loan returns to accrual status. Loans may be returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured

 

Large groups of smaller balance homogeneous loans are not individually evaluated for impairment and include lease financing receivables, residential permanent and construction mortgages and consumer installment loans. All other loans are considered non-homogeneous and are evaluated for impairment if they are placed in non-accrual status. Loans are determined to be impaired when, based on available information, it is probable that the Company may not collect all principal and interest payments according to contractual terms. Factors considered in determining whether a loan is impaired include:

· the financial condition of the borrower;
· reliability and sources of the cash flows;
· absorption or vacancy rates; and
· deterioration of the related collateral.

 

The impairment of a loan is measured based on the present value of expected future cash flows discounted at the loan's original effective interest rate, or as permitted, the impairment may be measured based on a loan’s observable market price or the fair value of the collateral less cost to sell. The majority of the Company’s impaired loans are considered to be collateral dependent and impairment is measured by determining the fair value of the collateral using third party appraisals conducted at least annually with underlying assumptions that are reviewed by management. Third party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish a specific allowance on a loan. In these instances the specific allowance is adjusted to reflect the Company’s evaluation of the appraised fair value. In the event a loss was previously confirmed and the loan was charged down to the estimated fair value based on a previous appraisal, the balance of partially charged-off loans are not subsequently increased but could be further decreased depending on the direction of the change in fair value. Payments on fully or partially charged-off loans are accounted for under the cost-recovery method. Under this method, all payments are applied on a cash basis to reduce the entire outstanding principal, then to recognize a recovery of all previously charged-off amounts before interest income may be recognized. Based on the impairment evaluation, if the Company determines an estimable loss exists, a specific allowance will be established for that loan. Once a loss has been confirmed, the loan is charged-down to its estimated net realizable value. Interest income on impaired loans is recognized using the same method as non-accrual loans, with the exception of loans that are considered troubled debt restructurings.

 

Loans considered to be troubled debt restructurings (“TDRs”) are loans that have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief to a borrower experiencing financial difficulty. All restructured loans are considered impaired loans and may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided doubt has been removed concerning the collectability of principal and interest as evidenced by a sufficient period of payment performance in accordance with the restructured terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if their revised loan terms are considered to be consistent with terms that can be obtained in the credit market for loans with comparable risk and they meet certain performance criteria.

 

Management uses relevant information available to make the determination on whether loans are impaired in accordance with GAAP. However, the determination of whether loans are impaired and the measurement of the impairment requires significant judgment, and estimates of losses inherent in the loan portfolio can vary significantly from the amounts actually observed.
Allowance for Loan and Lease Losses

Allowance for Loan and Lease Losses

The allowance for loan and lease losses (“allowance” or “ALLL”) represents an amount which, in management's judgment, is adequate to absorb the estimate of losses that may be sustained on outstanding loans and leases at the balance sheet date based on the evaluation of the size and current risk characteristics of the loan portfolio. The allowance is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision or credit for loan and lease losses, which is recorded as a current period operating expense. The allowance is based on the basic principle that a loss be accrued when it is probable that the loss has occurred and the amount of the loss can be reasonably estimated.

 

Determination of the adequacy of the allowance is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the allowance is reviewed monthly by the Credit and Investment Risk Committee of the board of directors and formally approved quarterly by that same committee of the board.

 

The Company’s methodology for estimating the allowance includes a general component reflecting historical losses, as adjusted, by loan portfolio segment, and a specific component for impaired loans. There were no changes in the Company’s allowance policies or methodology from the prior year.

 

The general component is based upon historical loss experience by each portfolio segment measured, over the prior eight quarters, weighted so that losses realized in the most recent quarters have the greatest effect. The historical loss experience is supplemented to address various risk characteristics of the Company’s loan portfolio including:

· trends in delinquencies and other non-performing loans;
· changes in the risk profile related to large loans in the portfolio;
· changes in the categories of loans comprising the loan portfolio;
· concentrations of loans to specific industry segments;
· changes in economic conditions on both a local and national level;
· changes in the Company’s credit administration and loan portfolio management processes; and
· the quality of the Company’s credit risk identification processes.

 

The general component is calculated in two parts based on an internal risk classification of loans within each portfolio segment. Reserves on loans considered to be “classified” under regulatory guidance are calculated separately from loans considered to be “pass” rated under the same guidance. This segregation allows the Company to monitor the allowance component applicable to higher risk loans separate from the remainder of the portfolio in order to better manage risk and reasonably determine the sufficiency of reserves.

 

Integral to the assessment of the allowance process is an evaluation that is performed to determine whether a specific allowance on an impaired credit is warranted. For the particular loan that may have potential impairment, an appraisal will be ordered depending on the time elapsed since the prior appraisal, the loan balance and/or the result of the internal evaluation. The Company typically relies on current (12 months old or less) third party appraisals of the collateral to assist in measuring impairment. In the cases in which the Company does not rely on a third party appraisal, an internal evaluation is prepared by an approved credit officer. A current appraisal on large loans is usually obtained if the appraisal on file is more than 12 months old and there has been a material change in market conditions, zoning, physical use or the adequacy of the collateral based on an internal evaluation. The Company’s policy is to strictly adhere to regulatory appraisal standards. If an appraisal is ordered, no more than a 30 day turnaround is requested from the appraiser, who is selected by Credit Administration from an approved appraiser list. After receipt of the updated appraisal, the assigned credit officer will recommend to the Chief Credit Officer whether a specific allowance or a charge-off should be taken. When losses are confirmed, a charge-off is taken that is at least in the amount of the collateral deficiency as determined by the independent third party appraisal. Any further collateral deterioration results in either further specific reserves being established or additional charge-offs. The Chief Credit Officer has the authority to approve a specific allowance or charge-off between monthly credit committee meetings to ensure that there are no significant time lapses during this process.

 

The portion of the allowance representing specific allowances is established on individually impaired loans. As a practical expedient, for collateral dependent loans, the Company measures impairment based on the net realizable value of the underlying collateral. For loans on which the Company has not elected to use a practical expedient to measure impairment, the Company will measure impairment based on the present value of expected future cash flows discounted at the loan’s effective interest rate. In determining the cash flows to be included in the discount calculation the Company considers the following factors that combine to estimate the probability and severity of potential losses:

· the borrower’s overall financial condition;
· resources and payment record;
· demonstrated or documented support available from financial guarantors; and
· the adequacy of collateral value and the ultimate realization of that value at liquidation.

 

Management believes it uses relevant information available to make determinations about the allowance and that it has established the existing allowance in accordance with GAAP. However, the determination of the allowance requires significant judgment, and estimates of probable losses in the loan and lease portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize inherent losses, future additions to the allowance may be necessary based on changes in the loans and leases comprising the portfolio and changes in the financial condition of borrowers, such as may result from changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, and independent consultants engaged by the Company, periodically review the loan and lease portfolio and the allowance. Such review may result in additional provisions based on management’s judgments of information available at the time of each examination.
Premises and Equipment

Premises and Equipment

Premises and equipment are stated at cost, less accumulated depreciation and amortization, computed using the straight-line method. Premises and equipment are depreciated over the useful lives of the assets, which generally range from 3 to 10 years for furniture, fixtures and equipment, 3 to 5 years for computer software and hardware, and 10 to 40 years for buildings and building improvements. Leasehold improvements are amortized over the lesser of the lease term or the estimated useful lives of the improvements. The costs of major renewals and betterments are capitalized, while the costs of ordinary maintenance and repairs are included in non-interest expense.
Goodwill and Other Intangible Assets

Goodwill and Other Intangible Assets

Goodwill represents the excess purchase price paid over the fair value of the net assets acquired in a business combination. Goodwill is not amortized but is tested for impairment annually or more frequently if events or changes in circumstances indicate that the asset might be impaired. Impairment testing requires that the fair value of each of the Company’s reporting units be compared to the carrying amount of the reporting unit’s net assets, including goodwill. The Company’s reporting units were identified based upon an analysis of each of its individual operating segments. If the fair values of the reporting units exceed their book values, no write-down of recorded goodwill is required. If the fair value of a reporting unit is less than book value, an expense may be required to write-down the related goodwill to the proper carrying value. Any impairment would be realized through a reduction of goodwill or the intangible and an offsetting charge to non-interest expense. The Company tests for impairment of goodwill as of October 1 of each year using September 30 data, and again at any quarter-end if any triggering events occur during a quarter that may affect goodwill. Examples of such events include, but are not limited to, adverse action by a regulator or a loss of key personnel. Determining the fair value of a reporting unit requires the Company to use a degree of subjectivity.

 

Current accounting guidance provides the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. Based on the assessment of these qualitative factors, if it is determined that the fair value of a reporting unit is not less than the carrying value, then performing the two-step impairment process, previously required, is unnecessary. However, if it is determined that the carrying value exceeds the fair value the first step, described above, of the two-step process must be performed. This guidance was effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011, with early adoption permitted. The Company early adopted this guidance in performing its annual impairment testing as of October 1, 2012 with respect to its community banking and investment management reporting units. With respect to its insurance reporting unit, the Company elected to engage a third-party valuation firm to determine the fair value of this reporting unit to utilize in the “step one” test for potential goodwill impairment. The company and the valuation firm determined that a combination of the income approach and the market approach were most appropriate in valuing the fair value of this unit and determined that the “step two test” for impairment was not necessary. At December 31, 2012 there was no evidence of impairment of goodwill or intangibles in any of the Company’s reporting units.

  

Other intangible assets represent purchased assets that a lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Other intangible assets have finite lives and are reviewed for impairment annually. These assets are amortized over their estimated useful lives on a straight-line basis over varying periods that initially did not exceed 15 years.
Other Real Estate Owned ("OREO")

Other Real Estate Owned (“OREO”)

OREO is comprised of properties acquired in partial or total satisfaction of problem loans. The properties are recorded at fair value less estimated costs of disposal, on the date acquired. Gains or losses arising at the time of acquisition of such properties are charged against the allowance for loan and lease losses. During the holding period OREO continues to be measured at fair value less estimated costs of disposal, and any subsequent declines in value are expensed as incurred. Gains and losses realized from the sale of OREO, as well as valuation adjustments and expenses of operation are included in non-interest expense.
Derivative Financial Instruments

Derivative Financial Instruments

Derivative Loan Commitments

Mortgage loan commitments are derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. Derivative loan commitments are recognized at fair value on the consolidated statements of condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the consolidated statements of income.

 

Loan commitments at the time the commitments are issued to borrowers have no value. Subsequent to commitment date, changes in the fair value of the loan commitment are recognized based on changes in the fair value of the underlying mortgage loan due to interest rate changes, changes in the probability the derivative loan commitment will be exercised, and the passage of time. In estimating fair value, a probability is assigned to a loan commitment based on an expectation that it will be exercised and the loan will be funded.

 

Forward Loan Sale Commitments

Loan sales agreements are evaluated to determine whether they meet the definition of a derivative as facts and circumstances may differ significantly. If agreements qualify, to protect against the price risk inherent in derivative loan commitments, the Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. Mandatory delivery contracts are accounted for as derivative instruments. Generally, best efforts contracts also meet the definition of derivative instruments after the loan to the borrower has closed. Accordingly, forward loan sale commitments that economically hedge the closed loan inventory are recognized at fair value on the consolidated statements of condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the consolidated statements of income. The Company estimates the fair value of its forward loan sales commitments using a methodology similar to that used for derivative loan commitments.

 

Interest Rate Swap Agreements

The Company enters into interest rate swaps (“swaps”) with loan customers to provide a facility to mitigate the fluctuations in the variable rate on the respective loans. These swaps are matched in exact offsetting terms to swaps that the Company enters into with an outside third party. The swaps are reported at fair value in other assets or other liabilities. The Company's swaps qualify as derivatives, but are not designated as hedging instruments, thus any net gain or loss resulting from changes in the fair value is recognized in other non-interest income. Further discussion of the Company's financial derivatives is set forth Note 19 to the Consolidated Financial Statements.
Off-Balance Sheet Credit Risk

Off-Balance Sheet Credit Risk

The Company issues financial or standby letters of credit that represent conditional commitments to fund transactions by the Company, typically to guarantee performance of a customer to a third party related to borrowing arrangements. The credit risk associated with issuing letters of credit is essentially the same as occurs when extending loan facilities to borrowers. The Company monitors the exposure to the letters of credit as part of its credit review process. Extensions of letters of credit, if any, would become part of the loan balance outstanding and would be evaluated in accordance with the Company’s credit policies. Potential exposure to loss for unfunded letters of credit if deemed necessary would be recorded in other liabilities.

 

In the ordinary course of business the Company originates and sells whole loans to a variety of investors. Mortgage loans sold are subject to representations and warranties made to the third party purchasers regarding certain attributes. Subsequent to the sale, if a material underwriting deficiency or documentation defect is determined, the Company may be obligated to repurchase the mortgage loan or reimburse the investor for losses incurred if the deficiency or defect cannot be rectified within a specific period subsequent to discovery. These representations and warranties typically exist for approximately 12 to 24 months following origination. The Company monitors the activity regarding the requirement to repurchase loans and the associated losses incurred. This information is applied to determine an estimated recourse reserve that is recorded in other liabilities.
Valuation of Long-Lived Assets

Valuation of Long-Lived Assets

The Company reviews long-lived assets and certain identifiable intangible assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability is measured by a comparing the carrying amount of the asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the estimated fair value of the assets. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell.
Transfers of Financial Assets

Transfers of Financial Assets

Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right or from providing more than a trivial benefit to the transferor) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through any agreement to repurchase or redeem them before their maturity or likely cause a holder to return those assets whether through unilateral ability or a price so favorable to the transferee that it is probable that the transferee will require the transferor to repurchase them. Cash flows from the assets are allocated to the participating interest holders in proportion to their ownership shares. Financial assets obtained or liabilities incurred in a sale are recognized and initially measured at fair value.
Insurance Commissions and Fees

Insurance Commissions and Fees

Commission revenue is recognized on the date the customer is billed. The Company also receives contingent commissions from insurance companies as additional incentive for achieving specified premium volume goals and/or the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are recognized when determinable, which is generally when such commissions are received.
Advertising Costs

Advertising Costs

Advertising costs are expensed as incurred and included in non-interest expenses.
Net Income (Loss) per Common Share

Net Income (Loss) per Common Share

Basic net income (loss) per common share is derived by dividing net income (loss) available to common stockholders by the weighted-average number of common shares outstanding, and does not include the impact of any potentially dilutive common stock equivalents. The diluted net income (loss) per common share is derived by dividing net income (loss) by the weighted-average number of common shares outstanding, adjusted, if applicable, for the dilutive effect of outstanding stock options as well as any adjustment to income that would result from the assumed issuance. Dilutive shares are determined using the treasury stock method. Dilutive common stock equivalents are excluded from the computation of dilutive net income (loss) per common share if the result would be anti-dilutive.
Income Taxes

Income Taxes

Income tax expense (benefit) is based on the results of operations, adjusted for permanent differences between items of income or expense reported in the financial statements and those reported for tax purposes. Deferred income tax assets and liabilities are determined using the liability method. Under the liability method, deferred income taxes are determined based on the differences between the financial statement carrying amounts and the income tax bases of assets and liabilities and are measured at the enacted tax rates that will be in effect when these differences reverse.

  

The Company’s policy is to recognize interest and penalties on income taxes in other non-interest expenses. The Company remains subject to examination for income tax returns for the years ending after December 31, 2007.
Adopted Accounting Pronouncements

Adopted Accounting Pronouncements

In June 2011, the FASB issued a standard that requires comprehensive income to be reported in either a single statement or two consecutive statements reporting net income and other comprehensive income. The guidance does not alter the items that are reported in other comprehensive income or require reclassification of items from other comprehensive income to net income. This guidance should be applied retrospectively and is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. The Company has opted to present comprehensive income in two consecutive statements. This guidance did not have any impact on the financial position, results of operations or cash flows of the Company as it only affects the presentation of the information in the financial statements.

 

The FASB issued a standard in April 2011 that removed from the assessment of effective control the criterion relating to the transferor’s ability to repurchase or redeem financial assets on substantially the agreed terms, even in the event of default by the transferee, as the criterion is not a determining factor of effective control. This guidance is effective for the first interim or annual period beginning on or after December 15, 2011. This guidance did not have a material impact on the financial position, results of operations or cash flows of the Company.

 

In May 2011, the FASB issued guidance on fair value that applies to all entities that measure assets, liabilities or instruments classified in stockholders’ equity at fair value or provide fair value disclosures for items not recorded at fair value. The guidance clarifies how a principal market is determined, addresses the fair value measurement of instruments with offsetting market or counterparty credit risk and the concept of valuation premise and highest and best use, extends the prohibition of blockage factors to all three levels of the fair value hierarchy, and requires additional disclosures. This guidance is effective for interim and annual periods beginning after December 15, 2011. Differences in fair value measurement resulting from the application of the guidance will be recognized in income in the period of adoption as a change in estimate. Disclosure requirements will be recognized prospectively. Changes in valuation techniques and related inputs as a result of the application of the guidance in addition to an estimate of the total effect of the changes, if practicable, will be disclosed in the period of adoption. The application of this guidance did not have a significant impact on the financial position, results of operations or cash flows of the Company.
XML 132 R51.htm IDEA: XBRL DOCUMENT v2.4.0.6
PARENT COMPANY FINANCIAL INFOMATION (Tables)
 12 Months Ended
Dec. 31, 2012
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]  
Statements of Condition

Financial statements for Sandy Spring Bancorp, Inc. (Parent Only) for the periods indicated are presented in the following tables:

 

Statements of Condition

    December 31,  
(In thousands)   2012     2011  
Assets                
Cash and cash equivalents   $ 10,035     $ 8,326  
Investments available for sale (at fair value)     723       100  
Investment in subsidiary     472,938       424,965  
Loan to subsidiary     35,000       35,000  
Dividend receivable from subsidiary     -       13,000  
Other assets     338       327  
Total assets   $ 519,034     $ 481,718  
                 
Liabilities                
Subordinated debentures   $ 35,000     $ 35,000  
Accrued expenses and other liabilities     522       609  
Total liabilities     35,522       35,609  
Stockholders’ Equity                
Common stock     24,905       24,091  
Additional paid in capital     191,689       177,828  
Retained earnings     255,606       230,942  
Accumulated other comprehensive loss     11,312       13,248  
Total stockholders’ equity     483,512       446,109  
Total liabilities and stockholders’ equity   $ 519,034     $ 481,718
Statements of Income/(Loss)

Statements of Income 

    Year Ended December 31,  
(In thousands)   2012     2011     2010  
Income:                        
Cash dividends from subsidiary   $ 12,028     $ 21,339     $ -  
Other income     982       945       1,191  
Total income     13,010       22,284       1,191  
Expenses:                        
Interest     959       913       940  
Other expenses     1,003       784       911  
Total expenses     1,962       1,697       1,851  
Income (loss) before income taxes and equity in undistributed income (loss) of subsidiary     11,048       20,587       (660 )
Income tax benefit     (221 )     (210 )     (167 )
Income (loss) before equity in undistributed income (loss) of subsidiary     11,269       20,797       (493 )
Equity in undistributed income of subsidiary     25,285       13,305       24,013  
Net income     36,554       34,102       23,520  
Preferred stock dividends and discount accretion     -       -       6,149  
Net income available to common shareholders   $ 36,554     $ 34,102     $ 17,371
Statements of Cash Flows

Statements of Cash Flows

    Year Ended December 31,  
(In thousands)   2012     2011     2010  
Cash Flows from Operating Activities:                        
Net income   $ 36,554     $ 34,102     $ 23,520  
Adjustments to reconcile net income to net cash provided by operating activities:                        
Equity in undistributed income-subsidiary     (25,285 )     (13,305 )     (24,013 )
Dividends receivable from subsidiary bank             (13,000 )     -  
Share based compensation expense     1,451       1,207       904  
Net change in other liabilities     (158 )     (184 )     43  
Decrease in dividends receivable     13,000                  
Other-net     (10,804 )     (87 )     14  
Net cash provided by operating activities     14,758       8,733       468  
Cash Flows from Investing Activities:                        
Purchase of investment available-for-sale     (511 )     -       -  
Acquistion of business activity, net of cash acquired     (849 )     -       -  
Net cash used by investing activities     (1,360 )     -       -  
Cash Flows from Financing Activities:                        
Redemption of preferred stock     -       -       (83,094 )
Redemption of stock warrant     -       (4,449 )     -  
Proceeds from issuance of common stock     99       314       96,464  
Tax benefit from stock options exercised     102       91       201  
Repurchase of common stock     -       (334 )     -  
Dividends paid     (11,890 )     (8,259 )     (4,563 )
Net cash provided (used) by financing activities     (11,689 )     (12,637 )     9,008  
Net increase (decrease) in cash and cash equivalents     1,709       (3,904 )     9,476  
Cash and cash equivalents at beginning of year     8,326       12,230       2,754  
Cash and cash equivalents at end of year   $ 10,035     $ 8,326     $ 12,230

 
XML 133 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
SHARE BASED COMPENSATION
 12 Months Ended
Dec. 31, 2012
Share-Based Compensation [Abstract]  
Share Based Compensation

Note 13 – Share Based Compensation

At December 31, 2012, the Company had two share based compensation plans in existence, the 1999 Stock Option Plan (expired but having outstanding options that may still be exercised) and the 2005 Omnibus Stock Plan (“Omnibus Plan”), which is described below.

 

The Omnibus Plan provides for the granting of non-qualifying stock options to the Company’s directors, and incentive and non-qualifying stock options, stock appreciation rights and restricted stock grants to selected key employees on a periodic basis at the discretion of the board of directors. The plan authorizes the issuance of up to 1,800,000 shares of common stock of which 1,089,814 are available for issuance at December 31, 2012, has a term of ten years, and is administered by a committee of at least three directors appointed by the board of directors. Options granted under the plan have an exercise price which may not be less than 100% of the fair market value of the common stock on the date of the grant and must be exercised within seven to ten years from the date of grant. The exercise price of stock options must be paid for in full in cash or shares of common stock, or a combination of both. The board committee has the discretion when making a grant of stock options to impose restrictions on the shares to be purchased upon the exercise of such options. Options granted under the expired 1999 Stock Option Plan remain outstanding until exercised or they expire. The Company generally issues authorized but previously unissued shares to satisfy option exercises.

 

The fair values of all of the options granted for the periods indicated have been estimated using a binomial option-pricing model with the weighted-average assumptions for the years ended December 31 are presented in the following table:

 

    Year Ended December 31,  
    2012     2011     2010  
Dividend yield     2.17 %     1.72 %     0.27 %
Weighted average expected volatility     50.90 %     46.87 %     45.06 %
Weighted average risk-free interest rate     1.14 %     2.58 %     2.91 %
Weighted average expected lives (in years)     5.35       5.70       5.83  
Weighted average grant-date fair value   $ 7.85     $ 7.76     $ 6.65  

 

The dividend yield is based on estimated future dividend yields. The risk-free rate for periods within the contractual term of the share option is based on the U.S. Treasury yield curve in effect at the time of the grant. Expected volatilities are generally based on historical volatilities. The expected term of share options granted is generally derived from historical experience.

 

Compensation expense is recognized on a straight-line basis over the vesting period of the respective stock option or restricted stock grant. Compensation expense of $1.6 million, $1.3 million and $1.1 million was recognized for the years ended December 31, 2012, 2011 and 2010, respectively, related to the awards of stock options and restricted stock grants. The intrinsic value for the stock options exercised in the years ended December 31, 2012, 2011 and 2010, respectively, was not significant. The total of unrecognized compensation cost related to stock options was approximately $0.3 million as of December 31, 2012. That cost is expected to be recognized over a weighted average period of approximately 1.4 years. The total of unrecognized compensation cost related to restricted stock was approximately $3.0 million as of December 31, 2012. That cost is expected to be recognized over a weighted average period of approximately 2.9 years. The fair value of the options vested during the years ended December 31, 2012, 2011 and 2010, was $0.2 million, $0.3 million and $0.5 million, respectively.

 

In the first quarter of 2012, 20,633 stock options were granted, subject to a three year vesting schedule with one third of the options vesting each year on the anniversary date of the grant. Additionally, 83,807 shares of restricted stock were granted, subject to a five year vesting schedule with one fifth of the shares vesting each year on the grant date anniversary. There were no additional stock options or shares of restricted stock granted during the remainder of 2012.

  

A summary of share option activity for the period indicated is reflected in the following table:

 

                Weighted        
    Number     Weighted     Average     Aggregate  
    of     Average     Contractual     Intrinsic  
    Common     Exercise     Remaining     Value  
    Shares     Share Price     Life(Years)     (in thousands)  
Balance at January 1, 2012     635,197     $ 31.42             $ 406  
Granted     20,633     $ 19.02             $ 8  
Exercised     (3,906 )   $ 13.00             $ 23  
Forfeited or expired     (211,471 )   $ 35.24             $ 33  
Balance at December 31, 2012     440,453     $ 29.17       2.5     $ 557  
                                 
Exercisable at December 31, 2012     386,037     $ 30.73       2.1     $ 484  
                                 
Weighted average fair value of options granted during the year           $ 7.85                  

 

A summary of the activity for the Company’s non-vested options for the period indicated is presented in the following table:

 

          Weighted  
          Average  
    Number     Grant-Date  
(In dollars, except share data):   of Shares     Fair Value  
Non-vested options at January 1, 2012     79,640     $ 6.33  
Granted     20,633     $ 7.85  
Vested     (42,147 )   $ 5.44  
Forfeited or expired     (3,710 )   $ 6.80  
Non-vested options at December 31, 2012     54,416     $ 7.56  

 

A summary of the activity for the Company’s restricted stock for the period indicated is presented in the following table:

 

          Weighted  
          Average  
    Number     Grant-Date  
(In dollars, except share data):   of Shares     Fair Value  
Restricted stock at January 1, 2012     206,313     $ 16.37  
Granted     83,807     $ 19.02  
Vested     (59,365 )   $ 16.16  
Forfeited or expired     (6,750 )   $ 16.83  
Restricted stock at December 31, 2012     224,005     $ 17.40

 
XML 134 R115.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair values of Company's pension plan assets (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: $ 30,590 $ 29,341 $ 26,839
Cash and certificates of deposit
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 3,253 7,815  
Equity Securities Industrials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,676 1,064  
Equity Securities Financials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,353 1,669  
Equity Securities Telecommunication services
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 1,121 765  
Equity Securities Consumer
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 3,515 3,429  
Equity Securities Health care
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 1,900 1,594  
Equity Securities Information technology
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,328 1,416  
Equity Securities Energy
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,645 811  
Equity Securities Other
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 156 775  
Total equity securities
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 17,901 11,523  
Fixed income securities U. S. Government Agencies
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 619  
Fixed income securities Corporate bonds
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 9,283 9,251  
Fixed income securities Other
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 153 133  
Equity Securities Materials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 1,207    
Quoted Prices in Active Markets for Identical Assets (Level 1)
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 21,307 19,471  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Cash and certificates of deposit
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 3,253 7,815  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Industrials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,676 1,064  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Financials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,353 1,669  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Telecommunication services
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 1,121 765  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Consumer
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 3,515 3,429  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Health care
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 1,900 1,594  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Information technology
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,328 1,416  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Energy
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 2,645 811  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Other
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 156 775  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Total equity securities
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 17,901 11,523  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fixed income securities U. S. Government Agencies
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fixed income securities Corporate bonds
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fixed income securities Other
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 153 133  
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity Securities Materials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 1,207    
Significant Other Observable Inputs (Level 2)
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 9,283 9,870  
Significant Other Observable Inputs (Level 2) | Cash and certificates of deposit
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Other Observable Inputs (Level 2) | Fixed income securities U. S. Government Agencies
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 619  
Significant Other Observable Inputs (Level 2) | Fixed income securities Corporate bonds
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 9,283 9,251  
Significant Unobservable Inputs (Level 3) | Cash and certificates of deposit
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Industrials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Financials
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Telecommunication services
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Consumer
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Health care
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Information technology
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Energy
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Equity Securities Other
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Total equity securities
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Fixed income securities U. S. Government Agencies
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Fixed income securities Corporate bonds
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: 0 0  
Significant Unobservable Inputs (Level 3) | Fixed income securities Other
      
Schedule Of Defined Benefit Plan Funded Status Of Plan [Line Items]      
Asset Category: $ 0 $ 0  
XML 135 R26.htm IDEA: XBRL DOCUMENT v2.4.0.6
OTHER COMPREHENSIVE INCOME (LOSS)
 12 Months Ended
Dec. 31, 2012
Other Comprehensive Income Loss [Abstract]  
Other Comprehensive Income (Loss)

NOTE 18 – OTHER COMPREHENSIVE INCOME (LOSS)

Comprehensive income is defined as net income plus transactions and other occurrences that are the result of non-owner changes in equity. For financial statements presented for the Company, non-equity changes are comprised of unrealized gains or losses on available-for-sale debt securities and any minimum pension liability adjustments. These do not have an impact on the Company’s net income. The following table presents the activity in net accumulated other comprehensive income (loss) for the periods indicated:

 

(In thousands)   Unrealized Gains
(Losses) on
Investments
Available-for-Sale		     Defined Benefit
Pension Plan		     Total  
Balance at January 1, 2010   $ 3,845     $ (6,497 )   $ (2,652 )
Period change, net of tax     (81 )     113       32  
Balance at December 31, 2010     3,764       (6,384 )     (2,620 )
Period change, net of tax     16,242       (374 )     15,868  
Balance at December 31, 2011     20,006       (6,758 )     13,248  
Period change, net of tax     252       (2,188 )     (1,936 )
Balance at December 31, 2012   $ 20,258     $ (8,946 )   $ 11,312
XML 136 R95.htm IDEA: XBRL DOCUMENT v2.4.0.6
Maturity Schedule for Time Deposits (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Maturities Of Total Time Deposits [Line Items]    
2013 $ 332,369  
2014 130,585  
2015 24,569  
2016 17,177  
2017 20,120  
Total time deposits $ 524,820 $ 584,321
XML 137 R49.htm IDEA: XBRL DOCUMENT v2.4.0.6
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND DERIVATIVES (Tables)
 12 Months Ended
Dec. 31, 2012
Financial Instruments With Off- Balance Sheet Risk and Derivatives [Abstract]  
Financial Instruments With Off Balance Sheet Credit Risk

A summary of the financial instruments with off-balance sheet credit risk is as follows at December 31 for the years indicated:

 

(In thousands)   2012     2011  
Commercial   $ 186,014     $ 79,567  
Real estate-development and construction     79,480       76,940  
Real estate-residential mortgage     56,445       20,922  
Lines of credit, principally home equity and business lines     667,186       621,422  
Standby letters of credit     72,008       73,913  
Total Commitments to extend credit and available credit lines   $ 1,061,133     $ 872,764
Companys Interest Rate Swaps

A summary of the Company’s interest rate swaps at December 31 for the years indicated is included in the following table:

 

    2012  
    Notional     Estimated     Years to     Receive     Pay  
(Dollars in thousands)   Amount     Fair Value     Maturity     Rate     Rate  
Interest Rate Swap Agreements:                                        
Pay Fixed/Receive Variable Swaps   $ 17,949     $ (1,280 )     2.7       2.44 %     5.41 %
Pay Variable/Receive Fixed Swaps     17,949       1,280       2.7       5.41 %     2.44 %
Total Swaps   $ 35,898     $ -       2.7       3.92 %     3.92 %

 

    2011  
    Notional     Estimated     Years to     Receive     Pay  
(Dollars in thousands)   Amount     Fair Value     Maturity     Rate     Rate  
Interest Rate Swap Agreements:                                        
Pay Fixed/Receive Variable Swaps   $ 27,127     $ (1,529 )     3.0       2.65 %     4.66 %
Pay Variable/Receive Fixed Swaps     27,127       1,529       3.0       4.66 %     2.65 %
Total Swaps   $ 54,254     $ -       3.0       3.66 %     3.66 %
XML 138 R105.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Activity for Company's Non-vested Options (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Number of Shares  
Non-vested options - beginning 79,640
Granted 20,633
Vested (42,147)
Forfeited or expired (3,710)
Non-vested options - ending 54,416
Weighted Average Grant-Date Fair Value  
Non-vested options - beginning $ 6.33
Granted $ 7.85
Vested $ 5.44
Forfeited or expired $ 6.80
Non-vested options - ending $ 7.56
XML 139 R41.htm IDEA: XBRL DOCUMENT v2.4.0.6
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2012
Deposits [Abstract]  
Composition of Deposits

The following table presents the composition of deposits at December 31 for the years indicated:

 

(In thousands)   2012     2011  
Noninterest-bearing deposits   $ 847,415     $ 650,377  
Interest-bearing deposits:                
Demand     428,048       367,682  
Money market savings     884,367       858,732  
Regular savings     228,384       195,408  
Time deposits of less than $100,000     307,445       316,058  
Time deposits of $100,000 or more     217,375       268,263  
Total interest-bearing deposits     2,065,619       2,006,143  
Total deposits   $ 2,913,034     $ 2,656,520
Maturity schedule for time deposits maturing within years

The following table presents the maturity schedule for time deposits maturing within years ending December 31:

 

(In thousands)   Amount  
2013   $ 332,369  
2014     130,585  
2015     24,569  
2016     17,177  
2017     20,120  
Total time deposits   $ 524,820
Months to maturities of time deposits

The Company's time deposits of $100,000 or more represented 7.5% of total deposits at December 31, 2012 and are presented by maturity in the following table:

 

    3 or     Over 3     Over 6     Over        
(In thousands)   Less     to 6     to 12     12     Total  
Time deposits--$100 thousand or more   $ 38,204     $ 35,670     $ 54,110     $ 89,391     $ 217,375  
XML 140 R107.htm IDEA: XBRL DOCUMENT v2.4.0.6
Pension, Profit Sharing, and Other Employee Benefit Plans - Additional Information (Detail) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Schedule Of Pension Profit Sharing and Other Employee Benefit Plan [Line Items]        
Expected rate of return on assets 4.00% 4.50% 4.50%  
Maximum Percentage Of Asset Allocated To Controll Market Volatility more than 60      
Maximum Percentage Of Market Value For Initial Acquisition Of Equity Portion not exceed 5      
Minimum Percentage Of Value Of Equity Portion For Sale exceeds 10      
Maximum Percentage Of Corporate Debt Issuable To Single Issuer not exceed 10      
Four Zero One K Provision Description The 401(k) provision is voluntary and covers all eligible employees after ninety days of service. Employees contributing to the 401(k) provision receive a matching contribution of 100% of the first 3% of compensation and 50% of the next 2% of compensation subject to employee contribution limitations. The Company matching contribution vests immediately.      
Profit Sharing and Matching Contribution   $ 1.5 $ 1.4 $ 1.4
Executive Incentive Retirement Plan Benefit Cost $ 0.2 $ 0.3 $ 0.2  
Equity Securities [Member]
        
Schedule Of Pension Profit Sharing and Other Employee Benefit Plan [Line Items]        
Current target allocations for plan assets minimum 0.00%      
Current target allocations for plan assets maximum 60.00%      
Fixed Income Securities
        
Schedule Of Pension Profit Sharing and Other Employee Benefit Plan [Line Items]        
Current target allocations for plan assets minimum 0.00%      
Current target allocations for plan assets maximum 100.00%      
Cash Funds And Emerging Market Debt Funds
        
Schedule Of Pension Profit Sharing and Other Employee Benefit Plan [Line Items]        
Current target allocations for plan assets minimum 0.00%      
Current target allocations for plan assets maximum 100.00%      
XML 141 R5.htm IDEA: XBRL DOCUMENT v2.4.0.6
CONSOLIDATED STATEMENTS OF OTHER COMPREHENSIVE INCOME (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Net income $ 36,554 $ 34,102 $ 23,520
Investments available-for-sale:      
Net change in unrealized gains (losses) on investments available-for-sale (40) 26,722 (932)
Related income tax (expense) benefit 16 (10,656) 374
Net investment gains reclassified into earnings 459 292 796
Related income tax expense (183) (116) (319)
Net effect on other comprehensive income (loss) for the period 252 16,242 (81)
Defined benefit pension plan:      
Recognition of unrealized gain (loss) (3,639) (622) 188
Related income tax (expense) benefit 1,451 248 (75)
Net effect on other comprehensive income (loss) for the period (2,188) (374) 113
Total other comprehensive income (1,936) 15,868 32
Comprehensive income $ 34,618 $ 49,970 $ 23,552
XML 142 R88.htm IDEA: XBRL DOCUMENT v2.4.0.6
Future Minimum Lease Payments (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Future Minimum Lease Payments [Line Items]  
2013 $ 6,024
2014 5,692
2015 3,975
2016 3,003
2017 2,013
Thereafter 4,629
Total minimum lease payments $ 25,336
XML 143 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
ACQUISITION
 12 Months Ended
Dec. 31, 2012
Business Combinations [Abstract]  
ACQUISITION

NOTE 2 – ACQUISITION

On May 31, 2012, the Company completed the acquisition of CommerceFirst Bancorp, Inc. and its wholly-owned subsidiary. Under the terms of the acquisition the Company acquired 100% of the shares of CommerceFirst common stock for a combination of 50% Sandy Spring Bancorp common stock and 50% cash. Stock consideration was exchanged at a ratio of 0.8043 of the Company’s shares for each CommerceFirst share resulting in the issuance of 732,054 of the Company’s common stock. Total cash consideration amounted to $12.4 million or $13.60 per share.

 

The transaction has been accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration transferred were recorded at their estimated fair value on the acquisition date. Assets acquired amounted to $188.0 million, including loans and leases of $165.8 million. Liabilities assumed totaled $170.6 million, including $169.9 million in deposits. The acquisition resulted in the addition of $13.0 million to the Company’s equity. Goodwill of $8.0 million was recorded as a result of the transaction and will not be deductible for tax purposes. The goodwill from this transaction will be included in the Company’s Community Banking segment. The stock portion of the consideration to CommerceFirst shareholders is intended to qualify as a tax-free transaction.

 

The consideration transferred for CommerceFirst’s common equity and the amounts of acquired identifiable assets and liabilities assumed as of the acquisition date were as follows:

  

(In thousands)      
Purchase Price:        
Value of common share issued   $ 13,023  
Cash     12,381  
Total purchase price     25,404  
         
Identifiable assets:        
Cash and due from banks     11,532  
Investments     502  
Loans and leases     165,762  
Other Real Estate Owned     2,615  
Intangible assets     210  
Other assets     7,356  
Total identifiable assets     187,977  
         
Liabilities:        
Deposits     169,921  
Other Liabilities     644  
Total liabilities     170,565  
         
Net goodwill resulting from acquisition   $ 7,992  

 

The determination of the fair value of acquired assets and assumed liabilities required that expected cash flows from those assets and liabilities be estimated and discounted at appropriate rates of interest. The most significant of these determinations related to the valuation of acquired loans with evidence of deteriorated credit quality. The following is a summary of the loans acquired in the acquisition with evidence of deteriorated credit quality:

 

    Loans Acquired  
    with Evidence of  
    Deteriorated  
(In thousands)   Credit Quality  
Contractually required principal and interest at acquisition   $ 14,436  
Contractual cash flows not expected to be collected     (5,560 )
Expected cash flows at acquisition     8,876  
Interest component of expected cash flows     (1,056 )
Basis in acquired loans at acquisition - estimated fair value   $ 7,820  

 

The fair value of checking, savings and money market deposit accounts acquired was assumed to be the carrying value as these accounts have no stated maturity and are payable on demand. Certificate of deposit accounts were valued at the present value of the expected contractual payments discounted at the market rates for similar certificates. There was no core deposit intangible associated with the acquisition of the deposits.

 

Merger related expenses associated with the acquisition related to personnel and integrating and conforming the acquired operations with and into the Company. These expenses consisted of professional services, conversion and integration of operations, termination of existing contractual arrangements and cost to provide an introduction of the Company to its new customers. A summary of merger related expenses included in the indicated captions in the consolidated statements of income for the year ended December 31, 2012 is presented below:

 

 

 

    For the Year Ended  
(In thousands)   December 31, 2012  
Salaries and employee benefits   $ 803  
Outside data services     800  
Other non-interest expenses:        
Professional fees (legal, consulting, etc.)     770  
Miscellaneous expenses     127  
Total merger expenses   $ 2,500  

 

Pro Forma Combined Financial Information

If the acquisition of CommerceFirst had been completed on January 1, 2011, total revenue, net of interest expense, would have been approximately $172.9 million and $167.7 million for the year ended December 31, 2012 and 2011, respectively. Net income would have been approximately $37.1 million and $35.9 million for the same periods. The pro forma information does not provide for the impact of potential business model revisions nor does it consider any potential impacts of current market conditions on revenue, expense efficiencies or other factors.
XML 144 R58.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans Acquired in Acquision (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]    
Interest component of expected cash flows $ 693 $ 0
Impaired Loans
    
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]    
Contractually required principal and interest at acquisition 14,436  
Contractual cash flows not expected to be collected (5,560)  
Expected cash flows at acquisition 8,876  
Interest component of expected cash flows (1,056)  
Basis in acquired loans at acquisition - estimated fair value $ 7,820  
XML 145 R82.htm IDEA: XBRL DOCUMENT v2.4.0.6
Information by Credit Risk Rating Indicators for Those Remaining Segments of Loan Portfolio (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases $ 2,531,128 $ 2,239,692
Leases
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 3,421 6,954
Consumer
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 356,990 360,080
Residential Real Estate Portfolio Segment | Residential Mortgage
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 523,364 448,662
Residential Real Estate Portfolio Segment | Residential Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 120,314 108,699
Performing Financing Receivable | Leases
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 3,421 6,099
Performing Financing Receivable | Consumer
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 354,535 360,080
Nonperforming Financing Receivable | Leases | Loans 90 Days Or More Past Due
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 0 577
Nonperforming Financing Receivable | Leases | Non Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 865 2
Nonperforming Financing Receivable | Consumer | Loans 90 Days Or More Past Due
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 14 165
Nonperforming Financing Receivable | Consumer | Non Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 2,410 1,786
Nonperforming Financing Receivable | Consumer | Restructured Loans | Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 356,990 35
Homogeneous Loan Pools | Residential Real Estate Portfolio Segment
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 1,004,089 924,395
Homogeneous Loan Pools | Residential Real Estate Portfolio Segment | Residential Mortgage
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 523,364 448,662
Homogeneous Loan Pools | Residential Real Estate Portfolio Segment | Residential Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 120,314 108,699
Homogeneous Loan Pools | Performing Financing Receivable | Residential Real Estate Portfolio Segment
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 988,760 905,430
Homogeneous Loan Pools | Performing Financing Receivable | Residential Real Estate Portfolio Segment | Residential Mortgage
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 523,364 439,194
Homogeneous Loan Pools | Performing Financing Receivable | Residential Real Estate Portfolio Segment | Residential Construction
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 117,189 102,043
Homogeneous Loan Pools | Nonperforming Financing Receivable | Residential Real Estate Portfolio Segment | Loans 90 Days Or More Past Due
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 14 0
Homogeneous Loan Pools | Nonperforming Financing Receivable | Residential Real Estate Portfolio Segment | Non Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 11,081 14,080
Homogeneous Loan Pools | Nonperforming Financing Receivable | Residential Real Estate Portfolio Segment | Restructured Loans | Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 31 4,308
Homogeneous Loan Pools | Nonperforming Financing Receivable | Residential Real Estate Portfolio Segment | Residential Mortgage | Loans 90 Days Or More Past Due
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 0 167
Homogeneous Loan Pools | Nonperforming Financing Receivable | Residential Real Estate Portfolio Segment | Residential Mortgage | Restructured Loans | Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 4,203 3,579
Homogeneous Loan Pools | Nonperforming Financing Receivable | Residential Real Estate Portfolio Segment | Residential Construction | Non Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases 3,125 5,719
Homogeneous Loan Pools | Nonperforming Financing Receivable | Residential Real Estate Portfolio Segment | Residential Construction | Restructured Loans | Accrual Loans
    
Financing Receivable, Recorded Investment [Line Items]    
Total loans and leases $ 0 $ 694
XML 146 R106.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Activity for Company's Restricted Stock (Detail) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Weighted Average Grant-Date Fair Value      
Granted $ 7.85 $ 7.76 $ 6.65
Forfeited or expired $ 16.83    
Restricted Stock
      
Number of Shares      
Restricted stock at January 1, 2012 206,313    
Granted 83,807    
Vested (59,365)    
Forfeited or expired (6,750)    
Restricted stock at December 31, 2012 224,005    
Weighted Average Grant-Date Fair Value      
Restricted stock at January 1, 2012 $ 16.37    
Granted $ 19.02    
Vested $ 16.16    
Restricted stock at September 30, 2012 $ 17.40    
XML 147 R69.htm IDEA: XBRL DOCUMENT v2.4.0.6
Other Equity Securities (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Other Securities Owned [Line Items]    
Federal Reserve Bank stock $ 8,269 $ 7,530
Federal Home Loan Bank of Atlanta stock 25,367 27,328
Other equities 33,636 34,933
Atlantic Central Bankers Bank Stock
    
Other Securities Owned [Line Items]    
Other equities $ 0 $ 75
XML 148 R27.htm IDEA: XBRL DOCUMENT v2.4.0.6
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND DERIVATIVES
 12 Months Ended
Dec. 31, 2012
Financial Instruments With Off- Balance Sheet Risk and Derivatives [Abstract]  
Financial Instruments with Off-balance Sheet Risk and Derivatives

Note 19 – Financial Instruments with Off-balance Sheet Risk and Derivatives

In the normal course of business, the Company has various outstanding credit commitments that are not reflected in the financial statements. These commitments are made to satisfy the financing needs of the Company's clients. The associated credit risk is controlled by subjecting such activity to the same credit and quality controls as exist for the Company's lending and investing activities. The commitments involve diverse business and consumer customers and are generally well collateralized. Collateral held varies, but may include residential real estate, commercial real estate, property and equipment, inventory and accounts receivable. Since a portion of the commitments have some likelihood of not being exercised, the amounts do not necessarily represent future cash requirements.

 

 

A summary of the financial instruments with off-balance sheet credit risk is as follows at December 31 for the years indicated:

 

(In thousands)   2012     2011  
Commercial   $ 186,014     $ 79,567  
Real estate-development and construction     79,480       76,940  
Real estate-residential mortgage     56,445       20,922  
Lines of credit, principally home equity and business lines     667,186       621,422  
Standby letters of credit     72,008       73,913  
Total Commitments to extend credit and available credit lines   $ 1,061,133     $ 872,764  

 

The Company has entered into interest rate swaps (“swaps”) to facilitate customer transactions and meet their financing needs. These swaps qualify as derivatives, but are not designated as hedging instruments. Interest rate swap contracts involve the risk of dealing with counterparties and their ability to meet contractual terms. When the fair value of a derivative instrument contract is positive, this generally indicates that the counterparty or customer owes the Company, and results in credit risk to the Company. When the fair value of a derivative instrument contract is negative, the Company owes the customer or counterparty and therefore, has no credit risk. The swap positions are offset to minimize the potential impact on the Company’s financial statements. Credit risk exists if the borrower’s collateral or financial condition indicates that the underlying collateral or financial condition of the borrower makes it probable that amounts due will be uncollectible. Any amounts due to the Company will be expected to be collected from the borrower. Management reviews this credit exposure on a monthly basis. At December 31, 2012 and 2011, all loans associated with the swap agreements were determined to be “pass” rated credits as provided by regulatory guidance and therefore no component of credit loss was factored into the valuation of the swaps. A summary of the Company’s interest rate swaps at December 31 for the years indicated is included in the following table:

 

    2012  
    Notional     Estimated     Years to     Receive     Pay  
(Dollars in thousands)   Amount     Fair Value     Maturity     Rate     Rate  
Interest Rate Swap Agreements:                                        
Pay Fixed/Receive Variable Swaps   $ 17,949     $ (1,280 )     2.7       2.44 %     5.41 %
Pay Variable/Receive Fixed Swaps     17,949       1,280       2.7       5.41 %     2.44 %
Total Swaps   $ 35,898     $ -       2.7       3.92 %     3.92 %

 

    2011  
    Notional     Estimated     Years to     Receive     Pay  
(Dollars in thousands)   Amount     Fair Value     Maturity     Rate     Rate  
Interest Rate Swap Agreements:                                        
Pay Fixed/Receive Variable Swaps   $ 27,127     $ (1,529 )     3.0       2.65 %     4.66 %
Pay Variable/Receive Fixed Swaps     27,127       1,529       3.0       4.66 %     2.65 %
Total Swaps   $ 54,254     $ -       3.0       3.66 %     3.66 %

 

The estimated fair value of the swaps at December 31 for the periods indicated in the table above were recorded in other assets and other liabilities. The associated net gains and losses on the swaps are recorded in other non-interest income.
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Selected Components of Other Non-Interest Income And Other Non-Interest Expense (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Selected Components Of Other Non-Interest Income and Other Non-Interest Expense [Line Items]      
Letter of credit fees $ 992 $ 1,123 $ 1,019
Extension fees 590 406 594
Other income 3,140 2,515 2,816
Total other non-interest income 4,722 4,044 4,429
Professional fees 6,309 4,942 5,586
Other real estate owned 905 2,412 976
Postage and delivery 1,255 1,257 1,328
Communications 1,596 1,433 1,433
Other expenses 8,348 7,598 7,027
Total other non-interest expense $ 18,413 $ 17,642 $ 16,350
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Statements of Condition (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Assets        
Cash and cash equivalents $ 86,406 $ 72,314    
Investments available-for-sale (at fair value) 825,582 951,301    
Other assets 114,833 111,388    
Total assets 3,955,206 3,711,370 3,519,388  
Liabilities        
Subordinated debentures 35,000 35,000    
Accrued expenses and other liabilities 31,673 24,720    
Total liabilities 3,471,694 3,265,261    
Stockholders' Equity        
Common stock 24,905 24,091    
Warrants 24,905 24,091    
Additional paid in capital 191,689 177,828    
Retained earnings 255,606 230,942    
Accumulated other comprehensive loss 11,312 13,248 (2,620) (2,652)
Total stockholders' equity 483,512 446,109 407,569 373,586
Total liabilities and stockholders' equity 3,955,206 3,711,370    
Parent Company
        
Assets        
Cash and cash equivalents 10,035 8,326    
Investments available-for-sale (at fair value) 723 100    
Investment in subsidiary 472,938 424,965    
Loan to subsidiary 35,000 35,000    
Dividend receivable from subsidiary 0 13,000    
Other assets 338 327    
Total assets 519,034 481,718    
Liabilities        
Subordinated debentures 35,000 35,000    
Accrued expenses and other liabilities 522 609    
Total liabilities 35,522 35,609    
Stockholders' Equity        
Common stock 24,905 24,091    
Additional paid in capital 191,689 177,828    
Retained earnings 255,606 230,942    
Accumulated other comprehensive loss 11,312 13,248    
Total stockholders' equity 483,512 446,109    
Total liabilities and stockholders' equity $ 519,034 $ 481,718    
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Financial Assets and Liabilities at Dates Indicated that Were Accounted for or Disclosed at Fair Value (Detail) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities $ 825,582 $ 951,301
Fair Value, Measurements, Recurring | U.S. Government Agencies
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 156,428 200,252
Fair Value, Measurements, Recurring | State and Municipal
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 174,491 173,111
Fair Value, Measurements, Recurring | Mortgage-Backed
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 490,479 570,144
Fair Value, Measurements, Recurring | Corporate Debt
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 1,996 1,978
Fair Value, Measurements, Recurring | Trust Preferred
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 1,465 5,716
Fair Value, Measurements, Recurring | Marketable Equity Securities
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 723 100
Fair Value, Measurements, Recurring | Interest Rate Swap Agreements
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Other assets 1,280 1,529
Other liabilities (1,280) (1,529)
Fair Value, Measurements, Recurring | Residential Mortgage Loans Held For Sale
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Loans held for sale 36,149 25,341
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | Trust Preferred
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities   3,249
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | U.S. Government Agencies
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 156,428 200,252
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | State and Municipal
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 174,491 173,111
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Mortgage-Backed
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 490,479 570,144
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Corporate Debt
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 1,996 1,978
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Marketable Equity Securities
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities 723 100
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Interest Rate Swap Agreements
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Other assets 1,280 1,529
Other liabilities (1,280) (1,529)
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Residential Mortgage Loans Held For Sale
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Loans held for sale 36,149 25,341
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | Trust Preferred
    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available for sale securities $ 1,465 $ 2,467
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Summary Information on Allowance for Loan and Lease Loss Activity (Detail) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Financing Receivable, Allowance for Credit Losses [Line Items]      
Balance at beginning of year $ 49,426 $ 62,135 $ 64,559
Provision for loan and lease losses 3,649 1,428 25,908
Loan and lease charge-offs (12,804) (16,505) (32,616)
Loan and lease recoveries 2,686 2,368 4,284
Net charge-offs (10,118) (14,137) (28,332)
Balance at period end $ 42,957 $ 49,426 $ 62,135
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CREDIT QUALITY ASSESSMENT (Tables)
 12 Months Ended
Dec. 31, 2012
Summary Information on Allowance for Loan and Lease Loss Activity

Summary information on the allowance for loan and lease loss activity for the years ended December 31 is provided in the following table:

 

    Year Ended December 31,  
(In thousands)   2012     2011     2010  
Balance at beginning of year   $ 49,426     $ 62,135     $ 64,559  
Provision for loan and lease losses     3,649       1,428       25,908  
Loan and lease charge-offs     (12,804 )     (16,505 )     (32,616 )
Loan and lease recoveries     2,686       2,368       4,284  
Net charge-offs     (10,118 )     (14,137 )     (28,332 )
Balance at period end   $ 42,957     $ 49,426     $ 62,135  
Activity in Allowance for Loan and Lease Losses by Respective Loan Portfolio Segment

The following tables provide information on the activity in the allowance for loan and lease losses by the respective loan portfolio segment for the years ended December 31:

 

    2012  
          Commercial Real Estate                 Residential Real Estate        
                      Commercial                                
    Commercial     Commercial     Commercial     Owner                 Residential     Residential        
(Dollars in thousands)   Business     AD&C     Investor R/E     Occupied R/E     Leasing     Consumer     Mortgage     Construction     Total  
Balance at beginning of year   $ 6,727     $ 6,664     $ 8,248     $ 7,329     $ 795     $ 4,873     $ 10,583     $ 4,207     $ 49,426  
Provision (credit)     (758 )     826       4,928       804       (478 )     44       (167 )     (1,550 )     3,649  
Charge-offs     (1,022 )     (3,281 )     (3,690 )     (1,174 )     (8 )     (1,298 )     (2,107 )     (224 )     (12,804 )
Recoveries     1,548       528       97       38       23       227       213       12       2,686  
Net charge-offs     526       (2,753 )     (3,593 )     (1,136 )     15       (1,071 )     (1,894 )     (212 )     (10,118 )
Balance at end of period   $ 6,495     $ 4,737     $ 9,583     $ 6,997     $ 332     $ 3,846     $ 8,522     $ 2,445     $ 42,957  
                                                                         
Total loans and leases   $ 346,708     $ 151,933     $ 456,888     $ 571,510     $ 3,421     $ 356,990     $ 523,364     $ 120,314     $ 2,531,128  
Allowance for loans and leases to total loans and leases ratio     1.87 %     3.12 %     2.10 %     1.22 %     9.70 %     1.08 %     1.63 %     2.03 %     1.70 %
                                                                         
Balance of loans specifically evaluated for impairment   $ 8,984     $ 6,332     $ 11,843     $ 15,184       na.     $ 31     $ 4,528     $ 1,871     $ 48,773  
Allowance for loans specifically evaluated for impairment   $ 2,597     $ -     $ 774     $ 598       na.       na.     $ 713     $ 467     $ 5,149  
Specific allowance to specific loans ratio     28.91 %     0.00 %     6.54 %     3.94 %     na.       na.       15.75 %     24.96 %     10.56 %
                                                                         
Balance of loans collectively evaluated   $ 337,724     $ 145,601     $ 445,045     $ 556,326     $ 3,421     $ 356,959     $ 518,836     $ 118,443     $ 2,482,355  
Allowance for loans collectively evaluated   $ 3,898     $ 4,737     $ 8,809     $ 6,399     $ 332     $ 3,846     $ 7,809     $ 1,978     $ 37,808  
Collective allowance to collective loans ratio     1.15 %     3.25 %     1.98 %     1.15 %     9.70 %     1.08 %     1.51 %     1.67 %     1.52 %

 

    2011  
          Commercial Real Estate                 Residential Real Estate        
                      Commercial                                
    Commercial     Commercial     Commercial     Owner                 Residential     Residential        
(Dollars in thousands)   Business     AD&C     Investor R/E     Occupied R/E     Leasing     Consumer     Mortgage     Construction     Total  
Balance at beginning of year   $ 12,870     $ 18,241     $ 4,793     $ 8,177     $ 667     $ 4,231     $ 10,396     $ 2,760     $ 62,135  
Provision (credit)     (4,252 )     (11,035 )     4,320       (361 )     1,182       3,173       5,144       3,257       1,428  
Charge-offs     (2,565 )     (1,780 )     (868 )     (487 )     (1,072 )     (2,740 )     (5,178 )     (1,815 )     (16,505 )
Recoveries     674       1,238       3       -       18       209       221       5       2,368  
Net charge-offs     (1,891 )     (542 )     (865 )     (487 )     (1,054 )     (2,531 )     (4,957 )     (1,810 )     (14,137 )
Balance at end of year   $ 6,727     $ 6,664     $ 8,248     $ 7,329     $ 795     $ 4,873     $ 10,583     $ 4,207     $ 49,426  
                                                                         
Total loans and leases   $ 260,327     $ 160,946     $ 371,948     $ 522,076     $ 6,954     $ 360,080     $ 448,662     $ 108,699     $ 2,239,692  
Allowance for loans and leases to total loans and leases ratio     2.58 %     4.14 %     2.22 %     1.40 %     11.43 %     1.35 %     2.36 %     3.87 %     2.21 %
                                                                         
Balance of loans specifically evaluated for impairment   $ 9,092     $ 18,701     $ 16,964     $ 15,416       na.     $ 35     $ 5,108     $ 2,259     $ 67,575  
Allowance for loans specifically evaluated for impairment   $ 1,037     $ 7     $ 3,380     $ 1,772       na.       na.     $ 769     $ 826     $ 7,791  
Specific allowance to specific loans ratio     11.41 %     0.04 %     19.92 %     11.49 %     na.       na.       15.05 %     36.56 %     11.53 %
                                                                         
Balance of loans collectively evaluated   $ 251,235     $ 142,245     $ 354,984     $ 506,660     $ 6,954     $ 360,045     $ 443,554     $ 106,440     $ 2,172,117  
Allowance for loans collectively evaluated   $ 5,690     $ 6,657     $ 4,868     $ 5,557     $ 795     $ 4,873     $ 9,814     $ 3,381     $ 41,635  
Collective allowance to collective loans ratio     2.26 %     4.68 %     1.37 %     1.10 %     11.43 %     1.35 %     2.21 %     3.18 %     1.92 %
Summary of Impaired Loans

The following table provides summary information regarding impaired loans at December 31 and for the years then ended:

 

(In thousands)   2012     2011     2010  
Impaired loans with a valuation allowance   $ 27,526     $ 36,742     $ 18,946  
Impaired loans without a valuation allowance     21,247       30,833       50,668  
Total impaired loans   $ 48,773     $ 67,575     $ 69,614  
                         
Allowance for loan and lease losses related to impaired loans   $ 5,149     $ 7,791     $ 3,845  
Allowance for loan and lease losses related to loans collectively evaluated     37,808       41,635       58,290  
Total allowance for loan and lease losses   $ 42,957     $ 49,426     $ 62,135  
                         
Average impaired loans for the period   $ 57,438     $ 68,377     $ 75,556  
Contractual interest income due on impaired loans during the period   $ 4,433     $ 4,973     $ 6,651  
Interest income on impaired loans recognized on a cash basis   $ 1,121     $ 1,523     $ -  
Interest income on impaired loans recognized on an accrual basis   $ 560     $ 325     $ 524  

 
Recorded Investment with Respect to Impaired loans, Associated Allowance by Applicable Portfolio Segment and Principal Balance of Impaired Loans Prior to Amounts Charged-Off

The following tables present the recorded investment with respect to impaired loans, the associated allowance by the applicable portfolio segment and the principal balance of the impaired loans prior to amounts charged-off at December 31 for the years indicated:

 

    2012  
          Commercial Real Estate           Total Recorded  
                      Commercial     All     Investment in  
          Commercial     Commercial     Owner     Other     Impaired  
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Loans     Loans  
Impaired loans with a specific allowance                                                
Non-accruing   $ 2,514     $ -     $ 10,219     $ 4,319     $ -     $ 17,052  
Restructured accruing     2,981       -       -       1,503       3,419       7,903  
Restructured non-accruing     228       -       -       1,039       1,304       2,571  
Balance   $ 5,723     $ -     $ 10,219     $ 6,861     $ 4,723     $ 27,526  
                                                 
Allowance   $ 2,597     $ -     $ 774     $ 598     $ 1,180     $ 5,149  
                                                 
Impaired loans without a specific allowance                                                
Non-accruing   $ 1,846     $ 3,033     $ 577     $ 6,191     $ -     $ 11,647  
Restructured accruing     1,392       -       -       -       815       2,207  
Restructured non-accruing     23       3,299       1,047       2,132       892       7,393  
Balance   $ 3,261     $ 6,332     $ 1,624     $ 8,323     $ 1,707     $ 21,247  
                                                 
Total impaired loans                                                
Non-accruing   $ 4,360     $ 3,033     $ 10,796     $ 10,510     $ -     $ 28,699  
Restructured accruing     4,373       -       -       1,503       4,234       10,110  
Restructured non-accruing     251       3,299       1,047       3,170       2,196       9,964  
Balance   $ 8,984     $ 6,332     $ 11,843     $ 15,184     $ 6,430     $ 48,773  
                                                 
Unpaid principal balance in total impaired loans   $ 11,506     $ 21,590     $ 15,405     $ 17,928     $ 6,904     $ 73,333  

 

    2012  
          Commercial Real Estate           Total Recorded  
                      Commercial     All     Investment in  
          Commercial     Commercial     Owner     Other     Impaired  
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Loans     Loans  
Average impaired loans for the period   $ 8,659     $ 12,270     $ 13,838     $ 16,172     $ 6,499     $ 57,438  
Contractual interest income due on impaired loans during the period   $ 527     $ 1,222     $ 1,181     $ 1,391     $ 112          
Interest income on impaired loans recognized on a cash basis   $ 121     $ 323     $ 175     $ 420     $ 82          
Interest income on impaired loans recognized on an accrual basis   $ 257     $ -     $ -     $ 102     $ 201          

 

 

    2011  
          Commercial Real Estate           Total Recorded  
                      Commercial     All     Investment in  
          Commercial     Commercial     Owner     Other     Impaired  
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Loans     Loans  
Impaired loans with a specific allowance                                                
Non-accruing   $ 1,110     $ -     $ 13,812     $ 4,091     $ 1,093     $ 20,106  
Restructured accruing     1,346       -       -       707       3,475       5,528  
Restructured non-accruing     307       6,504       628       3,282       387       11,108  
Balance   $ 2,763     $ 6,504     $ 14,440     $ 8,080     $ 4,955     $ 36,742  
                                                 
Allowance   $ 1,037     $ 7     $ 3,380     $ 1,772     $ 1,595     $ 7,791  
                                                 
Impaired loans without a specific allowance                                                
Non-accruing   $ 3,416     $ 7,798     $ 1,883     $ 6,464     $ 800     $ 20,361  
Restructured accruing     520       -       -       -       833       1,353  
Restructured non-accruing     2,393       4,399       641       872       814       9,119  
Balance   $ 6,329     $ 12,197     $ 2,524     $ 7,336     $ 2,447     $ 30,833  
                                                 
Total impaired loans                                                
Non-accruing   $ 4,526     $ 7,798     $ 15,695     $ 10,555     $ 1,893     $ 40,467  
Restructured accruing     1,866       -       -       707       4,308       6,881  
Restructured non-accruing     2,700       10,903       1,269       4,154       1,201       20,227  
Balance   $ 9,092     $ 18,701     $ 16,964     $ 15,416     $ 7,402     $ 67,575  
                                                 
Unpaid principal balance in total impaired loans   $ 11,303     $ 37,442     $ 17,389     $ 16,466     $ -     $ 82,600  

 

    2011  
          Commercial Real Estate           Total Recorded  
                      Commercial     All     Investment in  
          Commercial     Commercial     Owner     Other     Impaired  
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Loans     Loans  
Average impaired loans for the period   $ 9,800     $ 27,005     $ 11,409     $ 13,942     $ 6,221     $ 68,377  
Contractual interest income due on impaired loans during the period   $ 583     $ 1,743     $ 830     $ 800     $ 1,017          
Interest income on impaired loans recognized on a cash basis   $ 267     $ 487     $ 93     $ 471     $ 205          
Interest income on impaired loans recognized on an accrual basis   $ 114     $ -     $ -     $ 45     $ 166          
Credit Quality of Loan Portfolio by Segment

The following tables provide information on the credit quality of the loan portfolio by segment at December 31 for the years indicated:

 

    2012  
          Commercial Real Estate                 Residential Real Estate        
                      Commercial                                
          Commercial     Commercial     Owner                 Residential     Residential        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Leasing     Consumer     Mortgage     Construction     Total  
Non-performing loans and assets:                                                                        
Non-accrual loans and leases   $ 4,611     $ 6,332     $ 11,843     $ 13,681     $ 865     $ 2,410     $ 4,681     $ 3,125     $ 47,548  
Loans and leases 90 days past due     24       -       -       209       -       14       -       -       247  
Restructured loans and leases     4,373       -       -       1,503       -       31       4,203       -       10,110  
Total non-performing loans and leases     9,008       6,332       11,843       15,393       865       2,455       8,884       3,125       57,905  
Other real estate owned     1,829       -       220       2,396       -       -       1,401       80       5,926  
Total non-performing assets   $ 10,837     $ 6,332     $ 12,063     $ 17,789     $ 865     $ 2,455     $ 10,285     $ 3,205     $ 63,831  

 

    2011  
          Commercial Real Estate                 Residential Real Estate        
                      Commercial                                
          Commercial     Commercial     Owner                 Residential     Residential        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Leasing     Consumer     Mortgage     Construction     Total  
Non-performing loans and assets:                                                                        
Non-accrual loans and leases   $ 7,226     $ 18,702     $ 16,963     $ 14,709     $ 853     $ 1,786     $ 5,722     $ 5,719     $ 71,680  
Loans and leases 90 days past due     -       -       -       -       2       165       167       243       577  
Restructured loans and leases     1,866       -       -       707       -       35       3,579       694       6,881  
Total non-performing loans and leases     9,092       18,702       16,963       15,416       855       1,986       9,468       6,656       79,138  
Other real estate owned     100       -       462       273       -       -       3,395       201       4,431  
Total non-performing assets   $ 9,192     $ 18,702     $ 17,425     $ 15,689     $ 855     $ 1,986     $ 12,863     $ 6,857     $ 83,569  

 

    2012  
          Commercial Real Estate                 Residential Real Estate        
                      Commercial                                
          Commercial     Commercial     Owner                 Residential     Residential        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Leasing     Consumer     Mortgage     Construction     Total  
Past due loans and leases                                                                        
31-60 days   $ 2,138     $ -     $ 2,020     $ 1,556     $ 7     $ 496     $ 5,443     $ -     $ 11,660  
61-90 days     212       -       -       1,809       68       101       1,603       -       3,793  
> 90 days     24       -       -       209       -       14       -       -       247  
Total past due     2,374       -       2,020       3,574       75       611       7,046       -       15,700  
Non-accrual loans and leases     4,611       6,332       11,843       13,681       865       2,410       4,681       3,125       47,548  
Loans aquired with deteriorated credit quality     1,978       332       949       3,941       -       -       -       -       7,200  
Current loans     337,745       145,269       442,076       550,314       2,481       353,969       511,637       117,189       2,460,680  
Total loans and leases   $ 346,708     $ 151,933     $ 456,888     $ 571,510     $ 3,421     $ 356,990     $ 523,364     $ 120,314     $ 2,531,128  

 

    2011  
          Commercial Real Estate                 Residential Real Estate        
                      Commercial                                
          Commercial     Commercial     Owner                 Residential     Residential        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Leasing     Consumer     Mortgage     Construction     Total  
Past due loans and leases                                                                        
31-60 days   $ 1,467     $ 717     $ 10,723     $ 1,677     $ 7     $ 467     $ 5,246     $ 1,732     $ 22,036  
61-90 days     62       -       -       2,537       -       20       1,639       -       4,258  
> 90 days     -       -       -       -       2       165       167       243       577  
Total past due     1,529       717       10,723       4,214       9       652       7,052       1,975       26,871  
Non-accrual loans and leases     7,226       18,702       16,963       14,709       853       1,786       5,722       5,719       71,680  
Current loans     251,572       141,527       344,262       503,153       6,092       357,642       435,888       101,005       2,141,141  
Total loans and leases   $ 260,327     $ 160,946     $ 371,948     $ 522,076     $ 6,954     $ 360,080     $ 448,662     $ 108,699     $ 2,239,692  

 
Restructured Loans for Specific Segments of Loan Portfolio

The following table provides the amounts of the restructured loans at the date of restructuring for specific segments of the loan portfolio during the period indicated:

 

    For the Year Ended December 31, 2012  
          Commercial Real Estate              
                      Commercial     All        
          Commercial     Commercial     Owner     Other        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Loans     Total  
Troubled debt restructurings                                                
Restructured accruing   $ 2,600     $ -     $ -     $ 1,014     $ -     $ 3,614  
Restructured non-accruing     -       -       -       -       1,304       1,304  
Balance   $ 2,600     $ -     $ -     $ 1,014     $ 1,304     $ 4,918  
                                                 
Specific allowance   $ 552     $ -     $ -     $ 204     $ 467     $ 1,223  
                                                 
Restructured and subsequently defaulted   $ -     $ -     $ -     $ -     $ -     $ -  

 

    For the Year Ended December 31, 2011  
          Commercial Real Estate              
                      Commercial     All        
          Commercial     Commercial     Owner     Other        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Loans     Total  
Troubled debt restructurings                                                
Restructured accruing   $ 1,696     $ -     $ -     $ -     $ 3,590     $ 5,286  
Restructured non-accruing     469       -       1,269       2,475       763       4,976  
Balance   $ 2,165     $ -     $ 1,269     $ 2,475     $ 4,353     $ 10,262  
                                                 
Specific allowance   $ 254     $ -     $ 93     $ 509     $ 1,027     $ 1,883  
                                                 
Restructured and subsequently defaulted   $ -     $ -     $ -     $ -     $ 509     $ 509  
Changes in Accretable Discount Related to Acquired Credit Impaired Loans

Changes in the accretable yield related to loans acquired with evidence of deteriorated credit quality are as follows:

 

(In thousands)   Amount  
Balance at January 1, 2012   $ -  
CommerceFirst acquisition     1,056  
Accretion recognized to date     (363 )
Net reclassification from accretable to non-accretable     -  
Balance at December 31, 2012   $ 693
Commercial Loan
  
Credit Risk Rating Indicators

 The following tables provide information by credit risk rating indicators for each segment of the commercial loan portfolio at December 31 for the years indicated:

 

    2012  
          Commercial Real Estate        
                      Commercial        
          Commercial     Commercial     Owner        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Total  
Pass   $ 305,348     $ 141,802     $ 405,448     $ 520,844     $ 1,374,262  
Special Mention     13,603       1,793       21,963       17,262       54,621  
Substandard     26,091       8,338       28,885       32,613       95,107  
Doubtful     1,666       -       592       791       3,049  
Total   $ 346,708     $ 151,933     $ 456,888     $ 571,510     $ 1,527,039  

 

    2011  
          Commercial Real Estate        
                      Commercial        
          Commercial     Commercial     Owner        
(In thousands)   Commercial     AD&C     Investor R/E     Occupied R/E     Total  
Pass   $ 225,048     $ 137,181     $ 331,095     $ 469,309     $ 1,162,633  
Special Mention     8,551       2,207       9,592       22,103       42,453  
Substandard     25,720       21,558       31,261       30,664       109,203  
Doubtful     1,008       -       -       -       1,008  
Total   $ 260,327     $ 160,946     $ 371,948     $ 522,076     $ 1,315,297  

 
Non Commercial Loan
  
Credit Risk Rating Indicators

The following tables provide information by credit risk rating indicators for those remaining segments of the loan portfolio at December 31 for the years indicated:

 

    2012  
                Residential Real Estate        
                Residential     Residential        
(In thousands)   Leasing     Consumer     Mortgage     Construction     Total  
Performing   $ 2,556     $ 354,535     $ 514,480     $ 117,189     $ 988,760  
Non-performing:                                        
90 days past due     -       14       -       -       14  
Non-accruing     865       2,410       4,681       3,125       11,081  
Restructured loans and leases     -       31       4,203       -       4,234  
Total   $ 3,421     $ 356,990     $ 523,364     $ 120,314     $ 1,004,089  

 

    2011  
                Residential Real Estate        
                Residential     Residential        
(In thousands)   Leasing     Consumer     Mortgage     Construction     Total  
Performing   $ 6,099     $ 358,094     $ 439,194     $ 102,043     $ 905,430  
Non-performing:                                        
90 days past due     2       165       167       243       577  
Non-accruing     853       1,786       5,722       5,719       14,080  
Restructured loans and leases     -       35       3,579       694       4,308  
Total   $ 6,954     $ 360,080     $ 448,662     $ 108,699     $ 924,395  
XML 155 R20.htm IDEA: XBRL DOCUMENT v2.4.0.6
STOCKHOLDERS' EQUITY
 12 Months Ended
Dec. 31, 2012
Stockholders' Equity Note [Abstract]  
Stockholders' Equity

Note 12 – Stockholders’ Equity

The Company’s Articles of Incorporation authorize 50,000,000 shares of capital stock (par value $1.00 per share). Issued shares have been classified as common stock. The Articles of Incorporation provide that remaining unissued shares may later be designated as either common or preferred stock.

 

The Company has a director stock purchase plan (the “Director Plan”) which commenced on May 1, 2004. Under the Director Plan, members of the board of directors may elect to use a portion (minimum 50%) of their annual retainer fee to purchase shares of Company stock. The Company has reserved 45,000 authorized but unissued shares of common stock for purchase under the plan. Purchases are made at the fair market value of the stock on the purchase date. At December 31, 2012, there were 26,386 shares available for issuance under the plan.

 

The Company has an employee stock purchase plan (the “Purchase Plan”) which commenced on July 1, 2001 and which was re-authorized on July 1, 2011. The Company has reserved 300,000 authorized but unissued shares of common stock for purchase under the current version of the plan. Shares are purchased at 85% of the fair market value on the exercise date through monthly payroll deductions of not less than 1% or more than 10% of cash compensation paid in the month. The Purchase Plan is administered by a committee of at least three directors appointed by the board of directors. At December 31, 2012, there were 252,740 shares available for issuance under this plan.

 

The Company approved a stock repurchase program in August 2011 that permits the repurchase of up to 3% of the Company’s outstanding shares of common stock or approximately 730,000 shares. Repurchases, which will be conducted through open market purchases or privately negotiated transactions, will be made depending on market conditions and other factors. No shares were repurchased during 2012. During the year ended December 31, 2011, the Company repurchased 23,592 shares of common stock at an average price of $14.16 per share.

 

The Company has a dividend reinvestment plan that is sponsored and administered by the Registrar and Transfer Company (“R&T”) as independent agent, which enables current shareholders as well as first-time buyers to purchase and sell common stock of Sandy Spring Bancorp, Inc. directly through R&T at low commissions. Participants may reinvest cash dividends and make periodic supplemental cash payments to purchase additional shares.

 

Bank and holding company regulations, as well as Maryland law, impose certain restrictions on dividend payments by the Bank, as well as restricting extensions of credit and transfers of assets between the Bank and the Company. At December 31, 2012, the Bank could have paid additional dividends of $62.6 million to its parent company without regulatory approval. In conjunction with the Company’s long-term borrowing from Capital Trust, the Bank issued a note to Bancorp for $35.0 million which was outstanding at December 31, 2012. There were no other loans outstanding between the Bank and the Company at December 31, 2012 and 2011, respectively.

 

In December 2008, as part of the Troubled Asset Relief Program (“TARP”) Capital Purchase Program, the Company entered into a Purchase Agreement with the United States Department of the Treasury (the “Treasury”), pursuant to which the Company sold 83,094 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series A with a liquidation preference of $1,000 per share and a warrant to purchase 651,547 shares of the Company’s common stock, for $83.1 million in cash. The redemption of the preferred shares was completed in two transactions with one half of the shares redeemed in July, 2010 and the remainder of the shares redeemed in December, 2010. The preferred shares paid an annual dividend of 5% per share during the period the shares were outstanding. The warrant was issued with an initial exercise price of $19.13 and a ten year term and was exercisable immediately, in whole or in part. The value of the warrant was allocated a portion of the $83.1 million in issuance proceeds. The allocation of this value was based on the relative fair value of the preferred shares and the warrant to the combined fair value. Accordingly, the value of the warrant was determined to be $3.7 million and recorded in additional paid-in capital in the consolidated statements of condition. This non-cash amount was considered a discount to the preferred stock and to be amortized over a five year period using the interest method and accreted as a dividend recorded on the preferred shares. A portion of the unamortized discount was recognized in a charge to earnings on the date of the respective redemption of the preferred shares. The warrant was included in the diluted average common shares outstanding except in periods for which its effects would be anti-dilutive. On February 23, 2011, the Company completed the redemption of the warrant issued for $4.5 million. The redemption of the warrant resulted in a net reduction of additional paid-in capital of $0.8 million during the first quarter of 2011.
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Stockholders' Equity - Additional Information (Detail) (USD $)
 12 Months Ended 12 Months Ended 1 Months Ended 12 Months Ended
Dec. 31, 2011
Dec. 31, 2012
Aug. 31, 2011
Dec. 31, 2012
Director Plan
Dec. 31, 2012
Purchase Plan
Feb. 23, 2011
Fixed Rate Cumulative Perpetual Preferred Stock Series A
Dec. 31, 2012
Fixed Rate Cumulative Perpetual Preferred Stock Series A
Stockholders Equity Note [Line Items]              
Repurchase of outstanding shares of common stock     3.00%        
Repurchase of outstanding shares of common stock under Stock Repurchase Program     730,000        
Average price repurchased shares of common stock $ 14.16            
Common stock shares authorized 50,000,000 50,000,000          
Common stock, par value $ 1.00 $ 1.00          
Shares sold in Purchase Agreement             83,094
Liquidation preference             $ 1,000
Number of securities called by warrants             651,547
Preferred shares annual dividend percentage             5.00%
Exercise price of warrants             19.13
Warrant exercisable term             10 years
Proceeds from issuance of warrants             $ 83,100,000
Value of warrant 24,091,000 24,905,000         3,700,000
Preferred stock discount amortization period             5 years
Redemption of warrant issued           4,500,000  
Net reduction of additional paid-in capital           800,000  
Shares authorized but unissued       45,000 300,000    
Shares available for issuance       26,386 252,740    
Share purchase price percentage on fair value         85.00%    
Share exercise price description         Shares are purchased at 85% of the fair market value on the exercise date through monthly payroll deductions of not less than 1% or more than 10% of cash compensation paid in the month.    
Additional dividend payable   62,600,000          
Long term borrowings   $ 35,000,000          
Repurchase Of Common Stock Shares 23,592