	For the Three Months Ended June 30, 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	$	6,621				$	1,594				$	2,603				$	4,270					$		1,103				$	178					$		16,369
Charge-offs	(143				)	—					(50				)	(13					)	—						(1				)		(207				)
Recoveries	—					—					10					8						—						—						18
Provision	197					503					(38				)	(75					)	(68					)	(19				)		500
Ending Balance	$	6,675				$	2,097				$	2,525				$	4,190					$		1,035				$	158					$		16,680
			For the Six Months Ended June 30, 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			(410					)	—				(50					)	(98				)		—					(1			)		(559			)
Recoveries			—						—				20						17						—					1					38
Provision			806						500				(157					)	265						(171			)		(43			)		1,200
Ending Balance			$	6,675					$	2,097			$	2,525					$	4,190					$	1,035				$	158				$		16,680

Ending balance: individually evaluated for impairment			$	—					$	—			$	170					$	—					$	—				$	—				$		170

Ending balance: collectively evaluated for impairment			$	6,675					$	2,097			$	2,355					$	4,190					$	1,035				$	158				$		16,510

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

Loans			$	546,444					$	173,503			$	160,202					$	261,925					$	46,204				$	10,604				$		1,198,882

Ending balance: individually evaluated for impairment			$	4,908					$	—			$	1,588					$	515					$	—				$	—				$		7,011

Ending balance: collectively evaluated for impairment			$	529,198					$	173,503			$	157,752					$	258,163					$	46,204				$	10,604				$		1,175,424

Ending balance: loans acquired with deteriorated credit quality (1)			$	12,338					$	—			$	862					$	3,247					$	—				$	—				$		16,447

(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 June 30, 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	$	4,643	$	1,436		$	2,673		$	4,387		$	1,598	$	187		$	14,924
Charge-offs	—		—			(100		)	(260		)	—		(50		)	(410		)
Recoveries	—		—			2			12			1		1			16
Provision	557		(6		)	116			(144		)	3		74			600
Ending Balance	$	5,200	$	1,430		$	2,691		$	3,995		$	1,602	$	212		$	15,130

	For the Six Months Ended June 30, 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	—		—		(201		)	(260		)	(22		)	(50		)	(533		)
Recoveries	—		—		3			67			1			3			74
Provision	755		191		86			(161		)	248			31			1,150
Ending Balance	$	5,200	$	1,430	$	2,691		$	3,995		$	1,602		$	212		$	15,130