Loans

Loans receivable consist of the following (in thousands):

	September 30, 2012			December 31, 2011
Real Estate:
Secured by 1-4 family residential	$	210,053		$	203,401
Secured by multi-family residential		119,968			126,246
Secured by commercial real estate		672,383			649,746
Construction		31,428			31,552
		1,033,832			1,010,945
Other Loans:
Commercial		365,510			349,053
Home equity and improvement		111,563			122,143
Consumer Finance		16,785			18,887
		493,858			490,083
Total loans		1,527,690			1,501,028
Deduct:
Undisbursed loan funds		(14,831	)		(13,243	)
Net deferred loan origination fees and costs		(727	)		(709	)
Allowance for loan loss		(26,310	)		(33,254	)
Totals	$	1,485,822		$	1,453,822

Loan segments have been identified by evaluating the portfolio based on collateral and credit risk characteristics.

The following table discloses allowance for loan loss activity for the quarter ended September 30, 2012 and September 30, 2011 by portfolio segment and impairment method (in thousands):

Quarter Ended September 30, 2012	1-4 Family Residential Real Estate			Construction		Multi- Family Residential Real Estate			Commercial Real Estate			Commercial			Home Equity and Improvement			Consumer			Total
Beginning Allowance	$	3,104		$	46	$	2,610		$	13,914		$	5,156		$	1,435		$	144		$	26,409
Charge-Offs		(217	)		-		-			(780	)		(355	)		(203	)		(19	)		(1,574	)
Recoveries		26			-		122			430			140			38			14			770
Provisions		83			17		(261	)		225			162			471			8			705
Ending Allowance	$	2,996		$	63	$	2,471		$	13,789		$	5,103		$	1,741		$	147		$	26,310

Quarter Ended September 30, 2011	1-4 Family Residential Real Estate			Construction		Multi- Family Residential Real Estate			Commercial Real Estate			Commercial			Home Equity and Improvement			Consumer			Total
Beginning Allowance	$	5,930		$	47	$	1,943		$	22,444		$	8,290		$	1,639		$	227		$	40,530
Charge-Offs		(647	)		-		(78	)		(2,544	)		(2,533	)		(290	)		(36	)		(6,128	)
Recoveries		38			-		-			185			342			35			11			611
Provisions		(1,298	)		22		762			1,801			1,705			88			17			3,097
Ending Allowance	$	4,023		$	69	$	2,637		$	21,886		$	7,804		$	1,472		$	219		$	38,110

The following table discloses allowance for loan loss activity year to date as of September 30, 2012 and 2011 by portfolio segment and impairment method (in thousands):

Year to Date September 30, 2012	1-4 Family Residential Real Estate			Construction		Multi- Family Residential Real Estate			Commercial Real Estate			Commercial			Home Equity and Improvement			Consumer			Total
Beginning Allowance	$	4,095		$	63	$	2,850		$	17,640		$	6,576		$	1,856		$	174		$	33,254
Charge-Offs		(1,539	)		-		(555	)		(10,170	)		(3,507	)		(668	)		(74	)		(16,513	)
Recoveries		150			-		122			574			295			77			45			1,263
Provisions		290			-		54			5,745			1,739			476			2			8,306
Ending Allowance	$	2,996		$	63	$	2,471		$	13,789		$	5,103		$	1,741		$	147		$	26,310

Year-to-Date September 30, 2011	1-4 Family Residential Real Estate			Construction			Multi- Family Residential Real Estate			Commercial Real Estate			Commercial			Home Equity and Improvement			Consumer			Total
Beginning Allowance	$	5,956		$	73		$	2,147		$	20,208		$	10,871		$	1,528		$	297		$	41,080
Charge-Offs		(2,087	)		-			(442	)		(5,971	)		(2,975	)		(801	)		(67	)		(12,343	)
Recoveries		56			-			-			497			374			56			55			1,038
Provisions		98			(4	)		932			7,152			(466	)		689			(66	)		8,335
Ending Allowance	$	4,023		$	69		$	2,637		$	21,886		$	7,804		$	1,472		$	219		$	38,110

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2012:

(In Thousands)

	1-4 Family				Multi- Family
	Residential				Residential		Commercial				Home Equity
	Real Estate		Construction		Real Estate		Real Estate		Commercial		& Improvement		Consumer		Total
Allowance for loan losses:

Ending allowance balance attributable to loans:

Individually evaluated for impairment	$	191	$	-	$	-	$	520	$	-	$	8	$	-	$	719

Collectively evaluated for impairment		2,805		63		2,471		13,269		5,103		1,733		147		25,591

Acquired with deteriorated credit quality		-		-		-		-		-		-		-		-

Total ending allowance balance	$	2,996	$	63	$	2,471	$	13,789	$	5,103	$	1,741	$	147	$	26,310

Loans:

Loans individually evaluated for impairment	$	8,715	$	-	$	1,181	$	33,868	$	6,427	$	36	$	-	$	50,227

Loans collectively evaluated for impairment		201,875		16,582		118,918		640,397		360,321		112,029		16,790		1,466,912

Loans acquired with deteriorated credit quality		38		-		-		289		46		-		-		373

Total ending loans balance	$	210,628	$	16,582	$	120,099	$	674,554	$	366,794	$	112,065	$	16,790	$	1,517,512

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2011:

(In Thousands)

	1-4 Family				Multi- Family
	Residential				Residential		Commercial				Home Equity
	Real Estate		Construction		Real Estate		Real Estate		Commercial		& Improvement		Consumer		Total
Allowance for loan losses:

Ending allowance balance attributable to loans:

Individually evaluated for impairment	$	654	$	-	$	195	$	5,400	$	969	$	-	$	-	$	7,218

Collectively evaluated for impairment		3,441		63		2,655		12,240		5,607		1,856		174		26,036

Acquired with deteriorated credit quality		-		-		-						-				-

Total ending allowance balance	$	4,095	$	63	$	2,850	$	17,640	$	6,576	$	1,856	$	174	$	33,254

Loans:

Loans individually evaluated for impairment	$	4,537	$	-	$	1,435	$	34,009	$	6,773	$	40	$	-	$	46,794

Loans collectively evaluated for impairment		199,453		18,288		125,080		616,856		343,147		122,623		18,910		1,444,357

Loans acquired with deteriorated credit quality		70		-		-		825		312		-		-		1,207

Total ending loans balance	$	204,060	$	18,288	$	126,515	$	651,690	$	350,232	$	122,663	$	18,910	$	1,492,358

The following table presents the average balance, interest income recognized and cash basis income recognized on impaired loans by class of loans. (In Thousands)

	Three Months Ended September 30, 2012						Nine Months Ended September 30, 2012
	Average Balance		Interest Income Recognized		Cash Basis Income Recognized		Average Balance		Interest Income Recognized		Cash Basis Income Recognized
Residential Owner Occupied	$	1,912		15	$	14	$	1,921	$	45	$	42
Residential Non Owner Occupied		6,141		54		58		5,397		126		129
Total Residential Real Estate		8,053		69		72		7,318		171		171
Construction		-		-		-		-		-		-
Multi-Family		811		10		10		627		11		11
CRE Owner Occupied		12,414		53		44		11,019		92		88
CRE Non Owner Occupied		14,881		104		161		15,231		284		287
Agriculture Land		773		6		1		1,107		20		15
Other CRE		5,987		1		1		7,015		4		4
Total Commercial Real Estate		34,055		164		207		34,372		400		394
Commercial Working Capital		2,048		9		11		2,005		13		15
Commercial Other		4,188		25		26		4,538		40		42
Total Commercial		6,236		34		37		6,543		53		57
Consumer		-		-		-		-		-		-
Home Equity and Home Improvement		36		-		-		37		2		2
Total Impaired Loans	$	49,191	$	277	$	326	$	48,897	$	637	$	635

The following table presents the average balance, interest income recognized and cash basis income recognized on impaired loans by class of loans: (In Thousands)

	Three Months Ended September 30, 2011						Nine Months Ended September 30, 2011
	Average Balance		Interest Income Recognized		Cash Basis Income Recognized		Average Balance		Interest Income Recognized		Cash Basis Income Recognized
Residential Owner Occupied	$	2,224	$	14	$	14	$	2,763	$	53	$	51
Residential Non Owner Occupied		2,249		28		28		2,656		64		68
Total Residential Real Estate		4,473		42		42		5,419		117		119
Construction		-		-		-		31		-		-
Multi-Family		1,836		16		16		2,263		73		67
CRE Owner Occupied		10,210		52		55		11,340		267		249
CRE Non Owner Occupied		19,830		184		183		19,950		674		624
Agriculture Land		1,773		17		16		2,072		39		39
Other CRE		8,483		10		7		7,869		51		42
Total Commercial Real Estate		40,296		263		261		41,231		1,031		954
Commercial Working Capital		3,346		21		21		4,260		68		71
Commercial Other		9,012		40		39		10,745		180		179
Total Commercial		12,358		61		60		15,005		248		250
Consumer		-		-		-		-		-		-
Home Equity and Home Improvement		311		4		3		313		11		11
Total Impaired Loans	$	59,274	$	386	$	382	$	64,262	$	1,480	$	1,401

The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2012: (In Thousands)

	Unpaid Principal Balance*		Recorded Investment		Allowance for Loan Losses Allocated
With no allowance recorded:
Residential Owner Occupied	$	949	$	918	$	-
Residential Non Owner Occupied		7,709		6,934		-
Total Residential Real Estate		8,658		7,852		-
Construction		-		-		-
Multi-Family Residential Real Estate		1,346		1,181		-
CRE Owner Occupied		14,643		11,545		-
CRE Non Owner Occupied		17,272		15,235		-
Agriculture Land		1,159		961		-
Other CRE		9,694		5,359		-
Total Commercial Real Estate		42,768		33,100		-
Commercial Working Capital		2,378		2,292		-
Commercial Other		5,899		4,181		-
Total Commercial		8,277		6,473		-
Consumer		-		-		-
Home Equity and Home Improvement		16		16		-
Total loans with no allowance recorded	$	61,065	$	48,622	$	-

With an allowance recorded:
Residential Owner Occupied	$	969	$	902	$	191
Residential Non Owner Occupied		-		-		-
Total Residential Real Estate		969		902		191
Construction		-		-		-
Multi-Family Residential Real Estate		-		-		-
CRE Owner Occupied		1,007		834		376
CRE Non Owner Occupied		585		222		144
Agriculture Land		-		-		-
Other CRE		-		-		-
Total Commercial Real Estate		1,592		1,056		520
Commercial Working Capital		-		-		-
Commercial Other		-		-		-
Total Commercial		-		-		-
Consumer		-		-		-
Home Equity and Home Improvement		20		20		8
Total loans with an allowance recorded	$	2,581	$	1,978	$	719

* Presented gross of charge offs

Impaired loans have been recognized in conformity with FASB ASC Topic 310.

The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2011: (In Thousands)

	Unpaid Principal Balance*		Recorded Investment		Allowance for Loan Losses Allocated
With no allowance recorded:
Residential Owner Occupied	$	981	$	984	$	-
Residential Non Owner Occupied		1,871		1,877		-
Total Residential Real Estate		2,852		2,861		-
Construction		-		-		-
Multi-Family Residential Real Estate		1,138		1,137		-
CRE Owner Occupied		5,868		5,879		-
CRE Non Owner Occupied		8,408		8,421		-
Agriculture Land		1,072		1,073		-
Other CRE		5,607		5,605		-
Total Commercial Real Estate		20,955		20,978		-
Commercial Working Capital		1,391		1,393		-
Commercial Other		3,444		3,453		-
Total Commercial		4,835		4,846		-
Consumer		-		-		-
Home Equity and Home Improvement		39		40		-
Total loans with no allowance recorded	$	29,819	$	29,862	$	-

With an allowance recorded:
Residential Owner Occupied	$	1,020	$	1,020	$	373
Residential Non Owner Occupied		726		726		281
Total Residential Real Estate		1,746		1,746		654
Construction		-		-		-
Multi-Family Residential Real Estate		298		298		195
CRE Owner Occupied		2,284		2,284		589
CRE Non Owner Occupied		8,589		8,596		3,235
Agriculture Land		300		300		163
Other CRE		2,676		2,676		1,413
Total Commercial Real Estate		13,849		13,856		5,400
Commercial Working Capital		358		358		192
Commercial Other		1,879		1,881		777
Total Commercial		2,237		2,239		969
Consumer		-		-		-
Home Equity and Home Improvement		-		-		-
Total loans with an allowance recorded	$	18,130	$	18,139	$	7,218

* Presented net of charge-offs

The following table presents the aggregate amounts of non-performing assets, comprised of non-performing loans and real estate owned on the dates indicated:

	September 30, 2012		December 31, 2011
	(in thousands)
Non-accrual loans	$	37,803	$	39,328
Loans over 90 days past due and still accruing		-		-
Troubled debt restructuring, still accruing		4,305		3,380
Total non-performing loans		42,108	$	42,708
Real estate and other assets held for sale		2,843		3,628
Total non-performing assets	$	44,951	$	46,336

The following table presents the aging of the recorded investment in past due and non accrual loans as of September 30, 2012 by class of loans: (In Thousands)

	Current		30-59 days		60-89 days		90+ days		Total Past Due		Total Non Accrual
Residential Owner Occupied	$	131,214	$	1,573	$	549	$	1,161	$	3,283	$	1,589
Residential Non Owner Occupied		72,958		598		1,063		1,512		3,173		4,196
Total residential real estate		204,172		2,171		1,612		2,673		6,456		5,785
Construction		16,582		-		-		-		-		-
Multi-Family		120,062		-		-		37		37		727
CRE Owner Occupied		317,578		2,637		1,306		1,888		5,831		9,971
CRE Non Owner Occupied		238,125		16		107		2,713		2,836		8,422
Agriculture Land		71,714		353		139		148		640		975
Other Commercial Real Estate		34,114		-		-		3,716		3,716		4,885
Total Commercial Real Estate		661,531		3,006		1,552		8,465		13,023		24,253
Commercial Working Capital		158,180		209		115		1,067		1,391		1,942
Commercial Other		204,184		382		880		1,777		3,039		4,733
Total Commercial		362,364		591		995		2,844		4,430		6,675
Consumer		16,657		105		13		15		133		15
Home Equity / Home Improvement		110,042		1,458		222		343		2,023		343
Total Loans	$	1,491,410	$	7,331	$	4,394	$	14,377	$	26,102	$	37,798

The following table presents the aging of the recorded investment in past due and non accrual loans as of December 31, 2011 by class of loans: (In Thousands)

	Current		30-59 days		60-89 days		90+ days		Total Past Due		Total Non Accrual
Residential Owner Occupied	$	131,014	$	1,573	$	220	$	1,996	$	3,789	$	2,490
Residential Non Owner Occupied		67,516		563		410		768		1,741		1,397
Total residential real estate		198,530		2,136		630		2,764		5,530		3,887
Construction		18,288		-		-		-		-		-
Multi-Family		125,050		1,022		-		443		1,465		443
CRE Owner Occupied		288,096		1,468		993		4,771		7,232		7,691
CRE Non Owner Occupied		243,016		921		1,990		3,384		6,295		10,398
Agriculture Land		70,490		-		-		456		456		1,275
Other Commercial Real Estate		30,056		98		-		5,951		6,049		8,342
Total Commercial Real Estate		631,658		2,487		2,983		14,562		20,032		27,706
Commercial Working Capital		137,310		-		223		242		465		1,410
Commercial Other		209,187		278		59		2,933		3,270		5,481
Total Commercial		346,497		278		282		3,175		3,735		6,891
Consumer		18,736		129		35		10		174		10
Home Equity / Home Improvement		119,400		2,602		267		394		3,263		394
Total Loans	$	1,458,159	$	8,654	$	4,197	$	21,348	$	34,199	$	39,331

Troubled Debt Restructurings

The Company has allocated $166,000 and $1.8 million, respectively, of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of September 30, 2012 and December 31, 2011. The Company had not committed to lend any additional amounts to customers with outstanding loans that are classified as TDRs as of September 30, 2012 and had committed to lend additional amounts totaling up to $64,000 as of December 31, 2011.

The Company offers various types of concessions when modifying a loan, however, forgiveness of principal is rarely granted. Each TDR is uniquely designed to meet the specific needs of the borrower. Commercial and industrial loans modified in a TDR often involve temporary interest-only payments, term extensions, and converting revolving credit lines to term loans. Additional collateral or an additional guarantor is often requested when granting a concession. Commercial mortgage loans modified in a TDR often involve temporary interest-only payments, re-amortization of remaining debt in order to lower payments, and sometimes reducing the interest rate lower than the current market rate. Residential mortgage loans modified in a TDR are comprised of loans where monthly payments are lowered, either through interest rate reductions or principal only payments for a period of time, to accommodate the borrowers’ financial needs, interest is capitalized into principal, or the term and amortization are extended. Home equity modifications are made infrequently and usually involve providing an interest rate that is lower than the borrower would be able to obtain due to credit issues.

A majority of the loans modified in a TDR are already on non-accrual status and partial charge-offs have in some cases already been taken against the outstanding balance. Loans modified as a TDR may have the financial effect of increasing the allowance associated with the loan. If the loan is determined to be collateral dependent, the estimated fair value of the collateral, less any selling costs is used to determine if there is a need for a specific allowance or charge-off. If the loan is determined to be cash flow dependent, the allowance is measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate.

The following table presents loans by class modified as TDRs that occurred during the three and nine month period ending September 30, 2012 (Dollars In Thousands):

	Loans Modified as a TDR for the Three Months Ended September 30, 2012							Loans Modified as a TDR for the Nine Months Ended September 30, 2012
Troubled Debt Restructurings	Number of Loans		Recorded Investment (as of Period End)		Increase /(Decrease) in the Allowance (as of Period End)			Number of Loans		Recorded Investment (as of Period End)		Increase /(Decrease) in the Allowance (as of Period End)
Residential Owner Occupied		2	$	221	$	(11	)		7	$	778	$	(5	)
Residential Non Owner Occupied		1		34		-			2		116		-
CRE Owner Occupied		3		565		-			5		1,461		-
CRE Non Owner Occupied		1		217		(6	)		1		217		(6	)
Agriculture Land		1		127		-			2		439		(7	)
Other CRE		-		-		-			1		61		(2	)
Commercial / Industrial		2		34		-			2		34		(1	)
Home Equity / Improvement		-		-		-			-		-		-
Total		10	$	1,198	$	(17	)		20	$	3,106	$	(21	)

The TDRs described above decreased the allowance for loan losses by $17,000 for the quarter ended September 30, 2012, after $64,000 of charge-offs during the quarter ended September 30, 2012. During the nine months ended September 30, 2012, the TDRs described above decreased the allowance for loan losses by $21,000 after $1.5 million of charge-offs.

The following table presents loans by class modified as TDRs that occurred during the period ending September 30, 2011 (Dollars In Thousands):

	Loans Modified as a TDR for the Three Months Ended September 30, 2011							Loans Modified as a TDR for the Nine Months Ended September 30, 2011
Troubled Debt Restructurings	Number of Loans		Recorded Investment (as of Period End)		Increase /(Decrease) in the Allowance (as of Period End)			Number of Loans		Recorded Investment (as of Period End)		Increase in the Allowance (as of Period End)
Residential Owner Occupied		1	$	13	$	-			2	$	29	$	-
CRE Owner Occupied		2		553		-			3		698		434
CRE Non Owner Occupied		3		3,433		240			4		5,148		1,397
Home Equity / Improvement		1		23		(7	)		1		23		-
Total		7	$	4,022	$	233			10	$	5,898	$	1,831

The TDRs described above increased the allowance for loan losses by $233,000 and $1.8 million for the three and nine months ending September 30, 2011, and resulted in $78,000 of charge offs during the three and nine months ending September 30, 2011.

There were five loans that defaulted during 2012 which had been modified within one year of the default date. A default for purposes of this disclosure is a TDR loan in which the borrower is 90 days past due. The recorded investment on these five loans was $1.7 million at September 30, 2012. There was no allowance for loan loss impact as a result of these defaults as they were already classified as collateral dependent and written down according to the fair value of their respective collateral.

The terms of certain other loans were modified during the period ending September 30, 2012 that did not meet the definition of a TDR. The modification of these loans involved a modification of the terms of a loan to borrowers who were not experiencing financial difficulties. A total of 256 loans were modified under this definition during the nine month period ended September 30, 2012.

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed in an internal loan committee meeting.

Credit Quality Indicators

Loans are categorized into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. Loans are analyzed individually by classifying the loans as to credit risk. This analysis includes all non-homogeneous loans, such as commercial and commercial real estate loans and certain homogenous mortgage, home equity and consumer loans. This analysis is performed on a quarterly basis. First Defiance uses the following definitions for risk ratings:

Special Mention. Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution's credit position at some future date.

Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Not Graded. Loans classified as not graded are generally smaller balance residential real estate, home equity and consumer installment loans which are originated primarily by using an automated underwriting system. These loans are monitored based on their delinquency status and are evaluated individually only if they are seriously delinquent.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. As of September 30, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: (In Thousands)

Category	Pass		Special Mention		Substandard		Doubtful		Not Graded		Total
Residential Owner Occupied	$	4,096	$	43	$	4,495		-	$	125,863	$	134,497
Residential Non Owner Occupied		56,705		2,304		10,675		-		6447		76,131
Total residential real estate		60,801		2,347		15,170		-		132,310		210,628
Construction		9,484		-		-		-		7,098		16,582
Multi Family		115,662		927		2,469		-		1,041		120,099
CRE Owner Occupied		292,529		9,875		18,489		-		2,516		323,409
CRE Non Owner Occupied		208,354		3,654		28,839		-		114		240,961
Agriculture Land		69,543		1,260		1,551		-		-		72,354
Other CRE		29,458		497		6,949		-		926		37,830
Total Commercial Real Estate		599,884		15,286		55,828		-		3,556		674,554
Commercial Working Capital		150,303		4,891		4,377		-		-		159,571
Commercial Other		191,707		6,278		9,238		-		-		207,223
Total Commercial		342,010		11,169		13,615		-		-		366,794
Consumer		-		-		63		-		16,727		16,790
Home Equity/Improvement		-		-		898		-		111,167		112,065
Total	$	1,127,841	$	29,729	$	88,043		-	$	271,899	$	1,517,512

As of December 31, 2011, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: (In Thousands)

Category	Pass		Special Mention		Substandard		Doubtful		Not Graded		Total
Residential Owner Occupied	$	5,496	$	205	$	4,383	$	-	$	124,720	$	134,804
Residential Non Owner Occupied		48,653		2,965		8,408		-		9,231		69,257
Total residential real estate		54,149		3,170		12,791		-		133,951		204,061
Construction		13,417		-		127		-		4,744		18,288
Multi Family		117,699		3,519		4,186		-		1,111		126,515
CRE Owner Occupied		256,861		12,058		26,323		-		84		295,326
CRE Non Owner Occupied		210,113		5,390		33,656		-		152		249,311
Agriculture Land		66,484		1,723		2,740		-		-		70,947
Other CRE		21,616		2,687		10,661		-		1,141		36,105
Total Commercial Real Estate		555,074		21,858		73,380		-		1,377		651,689
Commercial Working Capital		125,149		6,125		6,501		-		-		137,775
Commercial Other		182,964		10,328		19,165		-		-		212,457
Total Commercial		308,113		16,453		25,666		-		-		350,232
Consumer		-		-		63		10		18,837		18,910
Home Equity/Improvement		-		-		1,734		-		120,928		122,662
Total	$	1,048,452	$	45,000	$	117,947	$	10	$	280,948	$	1,492,357