	For the Three Months Ended March 31, 2014
(In thousands)	Commercial Real Estate Mortgage Loans			Multi- Family			Residential Real Estate Mortgage Loans			Commercial, Financial and Agricultural Loans			Real Estate Construction and Land Loans			Installment/ Consumer Loans			Total

Allowance for Loan Losses:
Beginning balance	$	6,279		$	1,597		$	2,712		$	4,006		$	1,206		$	201		$	16,001
Charge-offs	(267		)	—			—			(85		)	—			—			(352		)
Recoveries	—			—			10			9			—			1			20
Provision	609			(3		)	(119		)	340			(103		)	(24		)	700
Ending Balance	$	6,621		$	1,594		$	2,603		$	4,270		$	1,103		$	178		$	16,369

Ending balance: individually evaluated for impairment	$	95		$	—		$	135		$	—		$	—		$	—		$	230

Ending balance: collectively evaluated for impairment	$	6,526		$	1,594		$	2,468		$	4,270		$	1,103		$	178		$	16,139

Ending balance: loans acquired with deteriorated credit quality	$	—		$	—		$	—		$	—		$	—		$	—		$	—

Loans	$	521,758		$	144,297		$	164,596		$	248,004		$	44,634		$	10,702		$	1,133,991

Ending balance: individually evaluated for impairment	$	5,921		$	—		$	2,076		$	514		$	—		$	—		$	8,511

Ending balance: collectively evaluated for impairment	$	494,618		$	144,297		$	161,651		$	245,857		$	44,634		$	10,702		$	1,101,759

Ending balance: loans acquired with deteriorated credit quality(1)	$	21,219		$	—		$	869		$	1,633		$	—		$	—		$	23,721

(1) Includes loans acquired on February 14, 2014 from FNBNY.

	For the Year Ended December 31, 2013
(In thousands)	Commercial Real Estate Mortgage Loans		Multi- Family		Residential Real Estate Mortgage Loans			Commercial, Financial and Agricultural Loans			Real Estate Construction and Land Loans			Installment/ Consumer Loans			Total

Allowance for Loan Losses:
Beginning balance	$	4,445	$	1,239	$	2,803		$	4,349		$	1,375		$	228		$	14,439
Charge-offs	—		—		(420		)	(420		)	(23		)	(53		)	(916		)
Recoveries	—		—		34			87			2			5			128
Provision	1,834		358		295			(10		)	(148		)	21			2,350
Ending Balance	$	6,279	$	1,597	$	2,712		$	4,006		$	1,206		$	201		$	16,001

Ending balance: individually evaluated for impairment	$	116	$	—	$	122		$	—		$	—		$	—		$	238

Ending balance: collectively evaluated for impairment	$	6,163	$	1,597	$	2,590		$	4,006		$	1,206		$	201		$	15,763

Ending balance: loans acquired with deteriorated credit quality	$	—	$	—	$	—		$	—		$	—		$	—		$	—

Loans	$	484,900	$	107,488	$	153,417		$	209,452		$	46,981		$	9,287		$	1,011,525

Ending balance: individually evaluated for impairment	$	5,950	$	—	$	2,382		$	526		$	—		$	—		$	8,858

Ending balance: collectively evaluated for impairment	$	478,129	$	107,488	$	151,035		$	208,677		$	46,641		$	9,287		$	1,001,257

Ending balance: loans acquired with deteriorated credit quality	$	821	$	—	$	—		$	249		$	340		$	—		$	1,410

	For the Three Months Ended March 31, 2013
(In thousands)	Commercial Real Estate Mortgage Loans		Multi- Family		Residential Real Estate Mortgage Loans			Commercial , Financial and Agricultural Loans			Real Estate Construction and Land Loans			Installment / Consumer Loans			Total
Allowance for Loan Losses:
Beginning balance	$	4,445	$	1,239	$	2,803		$	4,349		$	1,375		$	228		$	14,439
Charge-offs	—		—		(101		)	—			(22		)	—			(123		)
Recoveries	—		—		2			55			—			1			58
Provision	198		197		(31		)	(17		)	245			(42		)	550
Ending Balance	$	4,643	$	1,436	$	2,673		$	4,387		$	1,598		$	187		$	14,924