0000763563 2012-01-01 2012-12-31 0000763563 2012-06-30 0000763563 2012-12-31 0000763563 2011-12-31 0000763563 2011-01-01 2011-12-31 0000763563 2010-01-01 2010-12-31 0000763563 us-gaap:CommonStockMember 2009-12-31 0000763563 us-gaap:AdditionalPaidInCapitalMember 2009-12-31 0000763563 us-gaap:RetainedEarningsMember 2009-12-31 0000763563 us-gaap:TreasuryStockMember 2009-12-31 0000763563 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2009-12-31 0000763563 2009-12-31 0000763563 us-gaap:CommonStockMember 2010-01-01 2010-12-31 0000763563 us-gaap:AdditionalPaidInCapitalMember 2010-01-01 2010-12-31 0000763563 us-gaap:RetainedEarningsMember 2010-01-01 2010-12-31 0000763563 us-gaap:TreasuryStockMember 2010-01-01 2010-12-31 0000763563 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2010-01-01 2010-12-31 0000763563 us-gaap:CommonStockMember 2011-01-01 2011-12-31 0000763563 us-gaap:AdditionalPaidInCapitalMember 2011-01-01 2011-12-31 0000763563 us-gaap:RetainedEarningsMember 2011-01-01 2011-12-31 0000763563 us-gaap:TreasuryStockMember 2011-01-01 2011-12-31 0000763563 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2011-01-01 2011-12-31 0000763563 us-gaap:CommonStockMember 2012-01-01 2012-12-31 0000763563 us-gaap:AdditionalPaidInCapitalMember 2012-01-01 2012-12-31 0000763563 us-gaap:RetainedEarningsMember 2012-01-01 2012-12-31 0000763563 us-gaap:TreasuryStockMember 2012-01-01 2012-12-31 0000763563 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2012-01-01 2012-12-31 0000763563 us-gaap:CommonStockMember 2010-12-31 0000763563 us-gaap:AdditionalPaidInCapitalMember 2010-12-31 0000763563 us-gaap:RetainedEarningsMember 2010-12-31 0000763563 us-gaap:TreasuryStockMember 2010-12-31 0000763563 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2010-12-31 0000763563 2010-12-31 0000763563 us-gaap:CommonStockMember 2011-12-31 0000763563 us-gaap:AdditionalPaidInCapitalMember 2011-12-31 0000763563 us-gaap:RetainedEarningsMember 2011-12-31 0000763563 us-gaap:TreasuryStockMember 2011-12-31 0000763563 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2011-12-31 0000763563 us-gaap:CommonStockMember 2012-12-31 0000763563 us-gaap:AdditionalPaidInCapitalMember 2012-12-31 0000763563 us-gaap:RetainedEarningsMember 2012-12-31 0000763563 us-gaap:TreasuryStockMember 2012-12-31 0000763563 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2012-12-31 0000763563 us-gaap:OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember 2012-01-01 2012-12-31 0000763563 us-gaap:MinimumMember us-gaap:BuildingMember 2012-01-01 2012-12-31 0000763563 us-gaap:MaximumMember us-gaap:BuildingMember 2012-01-01 2012-12-31 0000763563 us-gaap:MinimumMember us-gaap:OfficeEquipmentMember 2012-01-01 2012-12-31 0000763563 us-gaap:MaximumMember us-gaap:OfficeEquipmentMember 2012-01-01 2012-12-31 0000763563 us-gaap:MinimumMember 2012-01-01 2012-12-31 0000763563 us-gaap:MaximumMember 2012-01-01 2012-12-31 0000763563 us-gaap:RestrictedStockMember 2012-12-31 0000763563 us-gaap:DirectorMember chmg:DirectorsCompensationPlanMember 2012-12-31 0000763563 chmg:IncentiveCompensationPlanMember 2012-12-31 0000763563 chmg:PartnersTrustBankMember 2012-12-31 0000763563 chmg:MTBankBranchOfficesMember 2012-12-31 0000763563 chmg:CantonBancorpIncMember 2012-12-31 0000763563 chmg:FortOrangeFinancialCorpMember 2012-12-31 0000763563 chmg:PartnersTrustBankMember 2012-01-01 2012-12-31 0000763563 chmg:MTBankBranchOfficesMember 2012-01-01 2012-12-31 0000763563 chmg:CantonBancorpIncMember 2012-01-01 2012-12-31 0000763563 chmg:FortOrangeFinancialCorpMember 2012-01-01 2012-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2012-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2012-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2011-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2012-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2011-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2012-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2011-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember 2012-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember 2011-12-31 0000763563 chmg:SbaLoanPoolsMember 2012-12-31 0000763563 chmg:SbaLoanPoolsMember 2011-12-31 0000763563 chmg:TrustPreferredSecuritiesMember 2012-12-31 0000763563 chmg:TrustPreferredSecuritiesMember 2011-12-31 0000763563 us-gaap:EquitySecuritiesMember 2012-12-31 0000763563 us-gaap:EquitySecuritiesMember 2011-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2012-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2012-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2012-12-31 0000763563 chmg:SbaLoanPoolsMember 2012-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2012-12-31 0000763563 chmg:TrustPreferredSecuritiesMember 2012-12-31 0000763563 us-gaap:EquitySecuritiesMember 2012-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2011-12-31 0000763563 us-gaap:CollateralizedDebtObligationsMember 2011-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2011-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember 2011-12-31 0000763563 chmg:TrustPreferredSecuritiesMember 2011-12-31 0000763563 us-gaap:EquitySecuritiesMember 2011-12-31 0000763563 chmg:TrustPreferredSecuritiesMember chmg:TprefFundingIiLtdClassBMember 2012-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2012-01-01 2012-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2011-01-01 2011-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2010-01-01 2010-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2012-01-01 2012-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2011-01-01 2011-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2010-01-01 2010-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2012-01-01 2012-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2011-01-01 2011-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2010-01-01 2010-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember 2012-01-01 2012-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember 2011-01-01 2011-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember 2010-01-01 2010-12-31 0000763563 chmg:SbaLoanPoolsMember 2012-01-01 2012-12-31 0000763563 chmg:SbaLoanPoolsMember 2011-01-01 2011-12-31 0000763563 chmg:SbaLoanPoolsMember 2010-01-01 2010-12-31 0000763563 chmg:TrustPreferredSecuritiesMember 2012-01-01 2012-12-31 0000763563 chmg:TrustPreferredSecuritiesMember 2011-01-01 2011-12-31 0000763563 chmg:TrustPreferredSecuritiesMember 2010-01-01 2010-12-31 0000763563 us-gaap:OtherDebtSecuritiesMember 2012-01-01 2012-12-31 0000763563 us-gaap:OtherDebtSecuritiesMember 2011-01-01 2011-12-31 0000763563 us-gaap:OtherDebtSecuritiesMember 2010-01-01 2010-12-31 0000763563 us-gaap:EquitySecuritiesMember 2012-01-01 2012-12-31 0000763563 us-gaap:EquitySecuritiesMember 2011-01-01 2011-12-31 0000763563 us-gaap:EquitySecuritiesMember 2010-01-01 2010-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2012-01-01 2012-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2011-01-01 2011-12-31 0000763563 us-gaap:USStatesAndPoliticalSubdivisionsMember 2010-01-01 2010-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2012-12-31 0000763563 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2012-12-31 0000763563 us-gaap:ResidentialMortgageBackedSecuritiesMember 2011-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2012-12-31 0000763563 us-gaap:CollateralizedMortgageObligationsMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageMember 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember 2011-12-31 0000763563 chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 us-gaap:ConsumerLoanMember 2012-12-31 0000763563 us-gaap:ConsumerLoanMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:LegacyLoansMember 2010-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember 2010-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:LegacyLoansMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:LegacyLoansMember 2010-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:LegacyLoansMember 2011-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:AcquiredLoansMember 2011-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:LegacyLoansMember 2010-12-31 0000763563 us-gaap:UnallocatedFinancingReceivablesMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:UnallocatedFinancingReceivablesMember 2011-12-31 0000763563 us-gaap:UnallocatedFinancingReceivablesMember chmg:LegacyLoansMember 2010-12-31 0000763563 chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember 2010-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:LegacyLoansMember 2012-01-01 2012-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember 2012-01-01 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:LegacyLoansMember 2011-01-01 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember 2012-01-01 2012-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember 2011-01-01 2011-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:LegacyLoansMember 2012-01-01 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2012-01-01 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:LegacyLoansMember 2011-01-01 2011-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:LegacyLoansMember 2012-01-01 2012-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:AcquiredLoansMember 2012-01-01 2012-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:LegacyLoansMember 2011-01-01 2011-12-31 0000763563 us-gaap:UnallocatedFinancingReceivablesMember chmg:LegacyLoansMember 2012-01-01 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:UnallocatedFinancingReceivablesMember 2012-01-01 2012-12-31 0000763563 us-gaap:UnallocatedFinancingReceivablesMember chmg:LegacyLoansMember 2011-01-01 2011-12-31 0000763563 chmg:LegacyLoansMember 2012-01-01 2012-12-31 0000763563 chmg:AcquiredLoansMember 2012-01-01 2012-12-31 0000763563 chmg:LegacyLoansMember 2011-01-01 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:LegacyLoansMember 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2012-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:LegacyLoansMember 2012-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:AcquiredLoansMember 2012-12-31 0000763563 us-gaap:UnallocatedFinancingReceivablesMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:UnallocatedFinancingReceivablesMember 2012-12-31 0000763563 chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember 2012-12-31 0000763563 us-gaap:UnallocatedFinancingReceivablesMember 2012-12-31 0000763563 us-gaap:UnallocatedFinancingReceivablesMember 2011-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 chmg:WithAllowanceRecordedMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 chmg:WithAllowanceRecordedMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2012-01-01 2012-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2011-01-01 2011-12-31 0000763563 us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-01-01 2011-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-01-01 2011-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:WithNoRelatedAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-01-01 2011-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2012-01-01 2012-12-31 0000763563 chmg:WithNoRelatedAllowanceRecordedMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2011-01-01 2011-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2012-01-01 2012-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2011-01-01 2011-12-31 0000763563 chmg:WithAllowanceRecordedMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 chmg:WithAllowanceRecordedMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:CommercialMortgagesMember 2011-01-01 2011-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-01-01 2011-12-31 0000763563 chmg:WithAllowanceRecordedMember us-gaap:ResidentialMortgageMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 chmg:WithAllowanceRecordedMember us-gaap:ResidentialMortgageMember chmg:CommercialMortgagesMember 2011-01-01 2011-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2012-01-01 2012-12-31 0000763563 chmg:WithAllowanceRecordedMember chmg:CommercialMortgagesMember 2011-01-01 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:CommercialAndIndustrialMember 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:CommercialAndIndustrialMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember us-gaap:CommercialRealEstateOtherReceivableMember 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember us-gaap:CommercialRealEstateOtherReceivableMember 2011-12-31 0000763563 us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 chmg:HomeEquityLinesAndLoansMember us-gaap:ConsumerLoanMember 2012-12-31 0000763563 chmg:HomeEquityLinesAndLoansMember us-gaap:ConsumerLoanMember 2011-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:AgriculturalMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2012-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:CommercialMortgagesMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 chmg:HomeEquityLinesAndLoansMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:AcquiredLoansMember chmg:CommercialAndIndustrialMember 2012-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember 2012-12-31 0000763563 chmg:HomeEquityLinesAndLoansMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:AgriculturalMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2011-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:CommercialMortgagesMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 chmg:HomeEquityLinesAndLoansMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:CommercialFinancialAndAgriculturalMember chmg:AcquiredLoansMember chmg:CommercialAndIndustrialMember 2011-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:CommercialMortgagesMember 2011-12-31 0000763563 chmg:AcquiredLoansMember chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember 2011-12-31 0000763563 chmg:HomeEquityLinesAndLoansMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember 2012-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2012-12-31 0000763563 us-gaap:CommercialRealEstateOtherReceivableMember chmg:CommercialMortgagesMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember chmg:NotRatedMember chmg:AgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember chmg:NotRatedMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember chmg:NotRatedMember chmg:AgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:NotRatedMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember chmg:NotRatedMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:PassMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:PassMember chmg:AgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember us-gaap:PassMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember us-gaap:PassMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:PassMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:PassMember 2012-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:PassMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:PassMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember us-gaap:PassMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:PassMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:PassMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:PassMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:PassMember chmg:AgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember us-gaap:PassMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember us-gaap:PassMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:PassMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:PassMember 2011-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:PassMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:PassMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember us-gaap:PassMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:PassMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:PassMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:PassMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SpecialMentionMember chmg:AgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:SpecialMentionMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LoansAcquiredWithDeterioratedCreditQualityMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LoansAcquiredWithDeterioratedCreditQualityMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2012-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SpecialMentionMember chmg:AgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:SpecialMentionMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LoansAcquiredWithDeterioratedCreditQualityMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LoansAcquiredWithDeterioratedCreditQualityMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2011-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:LoansAcquiredWithDeterioratedCreditQualityMember chmg:AcquiredLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SubstandardMember chmg:AgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:SubstandardMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:SpecialMentionMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2012-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SubstandardMember chmg:AgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:LegacyLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:SubstandardMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:SpecialMentionMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:SpecialMentionMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember chmg:AgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember us-gaap:DoubtfulMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember 2012-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:SubstandardMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SubstandardMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:SubstandardMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember chmg:CommercialAndIndustrialMember chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember chmg:CommercialFinancialAndAgriculturalMember chmg:AgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember us-gaap:DoubtfulMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:LegacyLoansMember 2011-12-31 0000763563 chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember chmg:AcquiredLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:SubstandardMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:SubstandardMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:SubstandardMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember us-gaap:DoubtfulMember chmg:AcquiredLoansMember 2012-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:AcquiredLoansMember 2012-12-31 0000763563 us-gaap:DoubtfulMember chmg:CommercialAndIndustrialMember chmg:AcquiredLoansMember chmg:CommercialFinancialAndAgriculturalMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember chmg:AcquiredLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:CommercialRealEstateOtherReceivableMember us-gaap:DoubtfulMember chmg:AcquiredLoansMember 2011-12-31 0000763563 chmg:CommercialMortgagesMember us-gaap:DoubtfulMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 us-gaap:DoubtfulMember chmg:AcquiredLoansMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2012-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2012-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2012-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ResidentialMortgageMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:LegacyLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 us-gaap:PerformingFinancingReceivableMember chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember 2011-12-31 0000763563 us-gaap:ResidentialMortgageMember chmg:AcquiredLoansMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:HomeEquityLinesAndLoansMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerOtherFinancingReceivableMember us-gaap:NonperformingFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember us-gaap:ConsumerCreditCardFinancingReceivableMember 2011-12-31 0000763563 chmg:AcquiredLoansMember us-gaap:ConsumerLoanMember chmg:IndirectConsumerLoansMember 2011-12-31 0000763563 us-gaap:LandMember 2012-12-31 0000763563 us-gaap:LandMember 2011-12-31 0000763563 us-gaap:BuildingMember 2012-12-31 0000763563 us-gaap:BuildingMember 2011-12-31 0000763563 us-gaap:ConstructionInProgressMember 2012-12-31 0000763563 us-gaap:ConstructionInProgressMember 2011-12-31 0000763563 us-gaap:EquipmentMember 2012-12-31 0000763563 us-gaap:EquipmentMember 2011-12-31 0000763563 us-gaap:LeaseholdsAndLeaseholdImprovementsMember 2012-12-31 0000763563 us-gaap:LeaseholdsAndLeaseholdImprovementsMember 2011-12-31 0000763563 us-gaap:CoreDepositsMember 2012-12-31 0000763563 us-gaap:CoreDepositsMember 2011-12-31 0000763563 us-gaap:CustomerRelationshipsMember 2012-12-31 0000763563 us-gaap:CustomerRelationshipsMember 2011-12-31 0000763563 chmg:WithCallProvisionsMember 2012-12-31 0000763563 chmg:WithoutCallProvisionsMember 2012-12-31 0000763563 chmg:MaturityWithin90DaysMember 2012-12-31 0000763563 us-gaap:MaturityOver90DaysMember 2012-12-31 0000763563 chmg:AfterOneYearButWithinFiveYearsMember 2012-12-31 0000763563 chmg:AfterFiveYearsButWithinTenYearsMember 2012-12-31 0000763563 chmg:WithCallProvisionsMember 2012-01-01 2012-12-31 0000763563 chmg:WithoutCallProvisionsMember 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMay202013Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22013Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJune182014Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22014Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober202014Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember222016Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober192017Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember42017Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJanuary22018Member 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingApril132012Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMay182012Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJuly272012Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingAugust162016Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22012Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMay202013Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJune182014Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22014Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober202014Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember222016Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober192017Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember42017Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJanuary22018Member 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMay202013Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22013Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJune182014Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22014Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober202014Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember222016Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober192017Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember42017Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJanuary22018Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingApril132012Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMay182012Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJuly272012Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingAugust162016Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22012Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMay202013Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJune182014Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober22014Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober202014Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember222016Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingOctober192017Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingDecember42017Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJanuary22018Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJanuary222013Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMarch42013Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingApril122013Member 2012-01-01 2012-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingJanuary192012Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMarch42012Member 2011-01-01 2011-12-31 0000763563 chmg:FederalHomeLoanBankAdvancesMaturingMarch312012Member 2011-01-01 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember 2010-12-31 0000763563 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2010-12-31 0000763563 us-gaap:OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember 2010-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember 2012-01-01 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember 2011-01-01 2011-12-31 0000763563 us-gaap:OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember 2011-01-01 2011-12-31 0000763563 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2012-01-01 2012-12-31 0000763563 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2011-01-01 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember 2010-01-01 2010-12-31 0000763563 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2010-01-01 2010-12-31 0000763563 us-gaap:OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember 2010-01-01 2010-12-31 0000763563 chmg:LargeCapDomesticEquitiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-01-01 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:Mid-CapDomesticEquitiesMember 2012-01-01 2012-12-31 0000763563 chmg:Small-CapDomesticEquitiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-01-01 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:InternationalEquitiesMember 2012-01-01 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:IntermediateFixedMember 2012-01-01 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:AlternativeAssetsMember 2012-01-01 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2012-01-01 2012-12-31 0000763563 chmg:LargeCapDomesticEquitiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 chmg:LargeCapDomesticEquitiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:Mid-CapDomesticEquitiesMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:Mid-CapDomesticEquitiesMember 2011-12-31 0000763563 chmg:Small-CapDomesticEquitiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 chmg:Small-CapDomesticEquitiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:InternationalEquitiesMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:InternationalEquitiesMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:IntermediateFixedMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:IntermediateFixedMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:AlternativeAssetsMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember chmg:AlternativeAssetsMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2011-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember us-gaap:FairValueInputsLevel3Member 2012-12-31 0000763563 chmg:EquitySecuritiesDomesticMember us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member chmg:EquitySecuritiesDomesticMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 chmg:EquitySecuritiesDomesticMember us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 chmg:EquitySecuritiesDomesticMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember chmg:EquitySecuritiesInternationalMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember chmg:EquitySecuritiesInternationalMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember chmg:EquitySecuritiesInternationalMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member chmg:EquitySecuritiesInternationalMember 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member us-gaap:EquityFundsMember 2012-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2012-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:CashMember us-gaap:FairValueInputsLevel3Member 2011-12-31 0000763563 chmg:EquitySecuritiesDomesticMember us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member chmg:EquitySecuritiesDomesticMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 chmg:EquitySecuritiesDomesticMember us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 chmg:EquitySecuritiesDomesticMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2011-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember chmg:EquitySecuritiesInternationalMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember chmg:EquitySecuritiesInternationalMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember chmg:EquitySecuritiesInternationalMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member chmg:EquitySecuritiesInternationalMember 2011-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member us-gaap:EquityFundsMember 2011-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:USTreasuryAndGovernmentMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2011-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:CorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2011-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:ForeignCorporateDebtSecuritiesMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2011-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2011-12-31 0000763563 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2011-12-31 0000763563 us-gaap:MinimumMember us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2012-01-01 2012-12-31 0000763563 us-gaap:MaximumMember us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2012-01-01 2012-12-31 0000763563 us-gaap:RestrictedStockMember 2011-12-31 0000763563 us-gaap:RestrictedStockMember 2012-01-01 2012-12-31 0000763563 us-gaap:RestrictedStockMember 2011-01-01 2011-12-31 0000763563 chmg:PrincipalOfficersDirectorsAndAffiliatesMember 2012-12-31 0000763563 chmg:PrincipalOfficersDirectorsAndAffiliatesMember 2011-12-31 0000763563 chmg:IdentifiedRelatedPartyGroupMember 2011-12-31 0000763563 chmg:IdentifiedRelatedPartyGroupMember 2010-12-31 0000763563 chmg:IdentifiedRelatedPartyGroupMember 2012-01-01 2012-12-31 0000763563 chmg:IdentifiedRelatedPartyGroupMember 2011-01-01 2011-12-31 0000763563 chmg:IdentifiedRelatedPartyGroupMember 2012-12-31 0000763563 chmg:FixedInterestRateMember us-gaap:CommitmentsToExtendCreditMember 2012-12-31 0000763563 chmg:VariableInterestRateMember us-gaap:CommitmentsToExtendCreditMember 2012-12-31 0000763563 chmg:FixedInterestRateMember us-gaap:CommitmentsToExtendCreditMember 2011-12-31 0000763563 chmg:VariableInterestRateMember us-gaap:CommitmentsToExtendCreditMember 2011-12-31 0000763563 us-gaap:UnusedLinesOfCreditMember chmg:FixedInterestRateMember 2012-12-31 0000763563 us-gaap:UnusedLinesOfCreditMember chmg:VariableInterestRateMember 2012-12-31 0000763563 us-gaap:UnusedLinesOfCreditMember chmg:FixedInterestRateMember 2011-12-31 0000763563 us-gaap:UnusedLinesOfCreditMember chmg:VariableInterestRateMember 2011-12-31 0000763563 chmg:FixedInterestRateMember us-gaap:StandbyLettersOfCreditMember 2012-12-31 0000763563 us-gaap:StandbyLettersOfCreditMember chmg:VariableInterestRateMember 2012-12-31 0000763563 chmg:FixedInterestRateMember us-gaap:StandbyLettersOfCreditMember 2011-12-31 0000763563 us-gaap:StandbyLettersOfCreditMember chmg:VariableInterestRateMember 2011-12-31 0000763563 chmg:FixedInterestRateMember us-gaap:MinimumMember 2012-01-01 2012-12-31 0000763563 us-gaap:MaximumMember chmg:FixedInterestRateMember 2012-01-01 2012-12-31 0000763563 us-gaap:ParentCompanyMember 2012-12-31 0000763563 us-gaap:ParentCompanyMember 2011-12-31 0000763563 chmg:ChemungCanalTrustCompanyMember us-gaap:ParentCompanyMember 2012-12-31 0000763563 chmg:CfsGroupIncMember us-gaap:ParentCompanyMember 2012-12-31 0000763563 chmg:ChemungCanalTrustCompanyMember us-gaap:ParentCompanyMember 2011-12-31 0000763563 chmg:CfsGroupIncMember us-gaap:ParentCompanyMember 2011-12-31 0000763563 us-gaap:ParentCompanyMember 2012-01-01 2012-12-31 0000763563 us-gaap:ParentCompanyMember 2011-01-01 2011-12-31 0000763563 us-gaap:ParentCompanyMember 2010-01-01 2010-12-31 0000763563 chmg:ChemungCanalTrustCompanyMember us-gaap:ParentCompanyMember 2012-01-01 2012-12-31 0000763563 chmg:CfsGroupIncMember us-gaap:ParentCompanyMember 2012-01-01 2012-12-31 0000763563 chmg:ChemungCanalTrustCompanyMember us-gaap:ParentCompanyMember 2011-01-01 2011-12-31 0000763563 chmg:CfsGroupIncMember us-gaap:ParentCompanyMember 2011-01-01 2011-12-31 0000763563 chmg:ChemungCanalTrustCompanyMember us-gaap:ParentCompanyMember 2010-01-01 2010-12-31 0000763563 chmg:CfsGroupIncMember us-gaap:ParentCompanyMember 2010-01-01 2010-12-31 0000763563 us-gaap:ParentCompanyMember 2010-12-31 0000763563 us-gaap:ParentCompanyMember 2009-12-31 0000763563 us-gaap:FairValueMeasurementsRecurringMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2012-12-31 0000763563 us-gaap:FairValueMeasurementsRecurringMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2011-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member chmg:ImpairedLoansMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member chmg:ImpairedLoansMember us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member chmg:OtherRealEstateOwnedMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 us-gaap:FairValueInputsLevel2Member chmg:OtherRealEstateOwnedMember us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-12-31 0000763563 chmg:ImpairedLoansMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-01-01 2012-12-31 0000763563 chmg:OtherRealEstateOwnedMember us-gaap:FairValueMeasurementsNonrecurringMember 2012-01-01 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2012-12-31 0000763563 us-gaap:FairValueInputsLevel1Member 2012-12-31 0000763563 us-gaap:FairValueInputsLevel2Member 2012-12-31 0000763563 us-gaap:FairValueInputsLevel3Member 2012-12-31 0000763563 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2012-12-31 0000763563 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2011-12-31 0000763563 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2011-12-31 0000763563 chmg:ConsolidatedMember 2012-12-31 0000763563 us-gaap:SubsidiariesMember 2012-12-31 0000763563 chmg:ConsolidatedMember 2011-12-31 0000763563 us-gaap:SubsidiariesMember 2011-12-31 0000763563 chmg:CoreBankingMember 2012-01-01 2012-12-31 0000763563 chmg:WealthManagementGroupServicesMember 2012-01-01 2012-12-31 0000763563 chmg:HoldingCompanyAndOtherMember 2012-01-01 2012-12-31 0000763563 us-gaap:CorporateMember 2012-01-01 2012-12-31 0000763563 chmg:CoreBankingMember 2011-01-01 2011-12-31 0000763563 chmg:WealthManagementGroupServicesMember 2011-01-01 2011-12-31 0000763563 chmg:HoldingCompanyAndOtherMember 2011-01-01 2011-12-31 0000763563 us-gaap:CorporateMember 2011-01-01 2011-12-31 0000763563 chmg:CoreBankingMember 2010-01-01 2010-12-31 0000763563 chmg:WealthManagementGroupServicesMember 2010-01-01 2010-12-31 0000763563 chmg:HoldingCompanyAndOtherMember 2010-01-01 2010-12-31 0000763563 us-gaap:CorporateMember 2010-01-01 2010-12-31 0000763563 chmg:CoreBankingMember 2012-12-31 0000763563 chmg:WealthManagementGroupServicesMember 2012-12-31 0000763563 chmg:HoldingCompanyAndOtherMember 2012-12-31 0000763563 us-gaap:CorporateMember 2012-12-31 0000763563 chmg:CoreBankingMember 2011-12-31 0000763563 chmg:WealthManagementGroupServicesMember 2011-12-31 0000763563 chmg:HoldingCompanyAndOtherMember 2011-12-31 0000763563 us-gaap:CorporateMember 2011-12-31 0000763563 chmg:CoreBankingMember 2010-12-31 0000763563 chmg:WealthManagementGroupServicesMember 2010-12-31 0000763563 chmg:HoldingCompanyAndOtherMember 2010-12-31 0000763563 us-gaap:CorporateMember 2010-12-31 iso4217:USD xbrli:shares iso4217:USD xbrli:shares xbrli:pure false --12-31 2012-12-31 No No Yes Smaller Reporting Company 0 CHEMUNG FINANCIAL CORP 0000763563 0 2012 FY 10-K 3549821 3022726 1923366 2637334 48718 135603 1641510 1954265 239468 418969 41404 34187 134959 132516 5645753 5246655 13224999 13582255 6211 0 0 65767 71978 -1827055 -1394115 -608257 0 1141082 9428433 10829719 7987055 8022790 46868186 43924622 -2806929 -1441378 3819798 3819798 6063423 6063423 9883221 9883221 45357073 45582861 0 28141 0 0 0 28141 0 79510 0 0 0 79510 <div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">In addition, the following tables present activity in the allowance for loan losses for the periods ending December 31, 2012 and December 31, 2011, by portfolio segment for Originated loans.&#160;&#160;The allowance for loan losses on Acquired loans was established during the quarter ending March 31, 2012, therefore, there was no activity for the period ending December 31, 2011.</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Originated Loans</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="22" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2012</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial, </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Financial and </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Agricultural</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Mortgages</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Mortgages</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Beginning balance:</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,143,373</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,570,149</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,309,649</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,192,729</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0.2pt;">443,420</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9,659,320</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Charge Offs:</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(35,696</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(93,195</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(82,442</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(673,885</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0.2pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(885,218</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Recoveries:</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">802,056</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">54,637</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">237,929</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0.2pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,094,622</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 27pt; font-size: 10pt; margin-right: 0pt;">Net recoveries (charge offs)</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">766,360</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(38,558</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(82,442</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(435,956</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0.2pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">209,404</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Provision</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(2,316,864</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,060,975</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">338,364</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">948,866</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0.2pt;">(417,274</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(385,933</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Ending balance</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,592,869</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,592,566</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,565,571</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,705,639</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0.2pt;">26,146</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9,482,791</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Acquired Loans</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="22" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2012</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial, </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Financial and </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Agricultural</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Mortgages</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Mortgages</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Beginning balance:</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 4.7pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Reclassification of acquired loan</div><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Discount</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">73,229</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">50,331</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 4.7pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">123,560</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Charge Offs:</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(145,303</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(241,898</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 4.7pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(387,201</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Recoveries:</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 4.7pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 27pt; font-size: 10pt; margin-right: 0pt;">Net charge-offs</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(145,303</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(241,898</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 4.7pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(387,201</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Provision</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">186,801</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,026,699</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 4.7pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,213,500</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Ending balance</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">114,727</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">835,132</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 4.7pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">949,859</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Originated Loans</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="22" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2011</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial, </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Financial and </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Agricultural</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Mortgages</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Mortgages</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Beginning balance:</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,118,299</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,575,058</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,301,780</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,727,022</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">775,972</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9,498,131</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Charge Offs:</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(686,192</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(19,206</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(67,333</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(725,826</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,498,557</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Recoveries:</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">423,422</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">40,717</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">44,953</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">192,321</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">701,413</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;Net (charge offs) recoveries</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(262,770</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">21,511</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(22,380</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(533,505</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(797,144</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Provision</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,287,844</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(26,420</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">30,249</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(788</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(332,552</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">958,333</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Ending balance</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,143,373</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,570,149</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,309,649</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,192,729</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">443,420</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9,659,320</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Transactions in the allowance for loan losses for the year ended December 31, 2010 were as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2010</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 88%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Balances at January 1</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9,967,223</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 88%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Provision charged to operations</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,125,000</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 88%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Loans charged-off</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(2,211,179</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 88%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Recoveries</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">617,087</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 88%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Balances at December 31</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9,498,131</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div></div> 1046720 1041193 730894 0.0129 0 0 0.0413 0.0302 0.0372 0.0051 12710650 0 0 20000000 32710650 1248159708 1216259587 131143587 127197542 1240752 5156 2252 1248160 1207464 5729 3067 1216260 949040 6138 3149 958327 1735000000 1596000000 540723 564581 141591214 152079770 31515249 50766605 3543360 7536753 40814722 46512971 11651635 13684198 1724140 1949606 2470913 2310066 6374530 6029841 239685763 280869810 239685763 43418533 195821630 445600 280869810 41289839 239285061 294910 141854201 47375648 239685763 280869810 304190 307064 239686 43419 195822 445 239686 280870 280870 629025 46986281 6222148 6853035 <div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortized cost and estimated fair value of securities available for sale at December 31, 2012 and 2011 are as follows:</div><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amortized </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Cost</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Estimated </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amortized </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Cost</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Estimated </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Obligations of U.S. Government and U.S. Government sponsored enterprises</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">138,041,393</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">141,591,214</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">149,140,715</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">152,079,770</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Mortgage-backed securities, residential</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">29,591,883</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">31,515,249</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">48,129,271</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">50,766,605</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,494,642</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,543,360</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">7,412,470</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">7,536,753</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Obligations of states and political subdivisions</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">39,174,595</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">40,814,722</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">44,561,789</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">46,512,971</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Corporate bonds and notes</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">11,412,167</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">11,651,635</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13,461,675</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13,684,198</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">SBA loan pools</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,682,736</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,724,140</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,915,419</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,949,606</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Trust preferred securities</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,519,379</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,470,913</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,538,286</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,310,066</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Corporate stocks</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">736,495</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,374,530</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">788,030</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,029,841</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">226,653,290</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">239,685,763</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">267,947,655</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">280,869,810</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Gross unrealized gains and losses on securities available for sale at December 31, 2012 and 2011, were as follows:</div><div style="text-indent: 0pt; display: block;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" valign="bottom"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" valign="bottom"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" valign="bottom"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" valign="bottom"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gains</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gains</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Obligations of U.S. Government and U.S.</div><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Government sponsored enterprises</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,549,821</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,022,726</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">83,671</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Mortgage-backed securities, residential</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,923,366</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,637,334</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">48,718</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">135,603</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">11,321</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Obligations of states and political subdivisions</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,641,510</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,383</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,954,265</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,083</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Corporate bonds and notes</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">239,468</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">418,969</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">196,446</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">SBA loan pools</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">41,404</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">34,187</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Trust preferred securities</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">134,959</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">183,425</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">132,516</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">360,735</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Corporate stocks</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5,645,753</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">7,718</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5,246,655</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4,844</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13,224,999</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">192,526</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13,582,255</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">660,100</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div></div> 31515249 3543360 1724140 233311233 0 83671 0 0 0 11321 1383 3083 0 196446 0 0 183425 360735 7718 4844 192526 660100 29591883 3494642 1682736 225916795 445600 137310080 138041393 149140715 29591883 48129271 3494642 7412470 39174595 44561789 11412167 13461675 1682736 1915419 2519379 2538286 736495 788030 226653290 267947655 0 0 428 300516 1108091 451094 2711681 2625104 86577 88389 87489 <div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">BASIS OF PRESENTATION</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and include the accounts of the Corporation and its subsidiaries.&#160;&#160;All significant intercompany balances and transactions are eliminated in consolidation.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions based on available information.&#160;&#160;These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.&#160;&#160;The allowance for loan losses, other-than-temporary impairment of investment securities and goodwill and other intangibles are particularly subject to change.</div><div style="text-indent: 0pt; display: block;"><br /></div></div> 30145 2255169 482180 119894319 115391331 111192989 106812516 0.131 0.1264 0.1328 0.128 0.08 0.08 0.08 0.08 0.1 0.1 73208463 73044522 66991368 66770561 91305653 83463201 40241221 52901853 60619777 79738396 1122470 1265305 530209 1788169 0 33284995 0 <div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">CASH AND CASH EQUIVALENTS</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Cash and cash equivalents include cash and amounts due from banks and interest-bearing deposits with other financial institutions.</div><div style="text-indent: 0pt; display: block;"><br /></div></div> 29239309 28204699 1788169 1122470 29239 29239 0 0 29239 28205 28205 -12660632 -7717924 -19118619 665699 -142835 735096 <div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The tables below summarize the changes in total contractually required principal and interest cash payments, management's estimate of expected total cash payments and carrying value of the loans from January 1, 2012 to December 31, 2012:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance at </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Income </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Accretion</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">All Other </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Adjustments</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance at </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31,</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Contractually required principal and interest</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">21,317,659</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(4,421,581</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">16,896,078</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; margin-left: 9pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Contractual cash flows not expected to be collected </font><font style="display: inline; font-family: times new roman; font-size: 10pt;">(nonaccretable discount)</font></div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(4,662,346</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">56,988</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(4,605,358</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Cash flows expected to be collected</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">16,655,313</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(4,364,593</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">12,290,720</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Interest component of expected cash flows (accretable yield)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,843,603</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,668,699</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(2,354,141</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(2,529,045</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;">Fair value of loans acquired with deteriorating credit quality</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">14,811,710</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,668,699</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(6,718,734</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9,761,675</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div></div> 4662346 4605358 1843603 2529045 1668699 16655313 12290720 14811710 9761675 21317659 16896078 <div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">(14)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;COMMITMENTS AND CONTINGENCIES</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs.&#160;&#160;These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates.&#160;&#160;Commitments may expire without being used.&#160;&#160;Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated.&#160;&#160;The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fixed Rate</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Variable Rate</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fixed Rate</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Variable Rate</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 52%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commitments to make loans</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">28,707,673</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">11,588,081</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19,139,879</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">8,399,012</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 52%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unused lines of credit</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,802,538</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">183,750,514</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">471,164</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">164,489,966</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 52%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Standby letters of credit</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">15,016,673</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13,562,577</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commitments to make Real Estate and Home Equity loans are generally made for periods of sixty days or less.&#160;&#160;As of December 31, 2012, the fixed rate commitments to make loans have interest rates ranging from 2.625% to 5.125% and maturities ranging from five years to thirty years.&#160;&#160;Commitments to fund commercial drawnotes are generally made for periods of three months to eighteen months.&#160;&#160;As of December 31, 2012, the fixed rate commitments have interest rates ranging from 3.50% to 8.00%.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Because many commitments and almost all standby letters of credit expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows.&#160;&#160;Loan commitments and unused lines of credit have off-balance sheet credit risk because only origination fees are recognized on the consolidated balance sheet until commitments are fulfilled or expire.&#160;&#160;The credit risk amounts are equal to the contractual amounts, assuming the amounts are fully advanced and collateral or other security is of no value.&#160;&#160;The Corporation does not anticipate losses as a result of these transactions.&#160;&#160;These commitments also have off-balance sheet interest rate risk in that the interest rate at which these commitments were made may not be at market rates on the date the commitments are fulfilled.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Corporation has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party.&#160;&#160;Standby letters of credit generally arise in connection with lending relationships.&#160;&#160;The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers.&#160;&#160;Contingent obligations under standby letters of credit totaled $15,016,673 at December 31, 2012 and represent the maximum potential future payments the Corporation could be required to make.&#160;&#160;Typically, these instruments have terms of twelve months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements.&#160;&#160;Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments.&#160;&#160;Corporation policies governing loan collateral apply to standby letters of credit at the time of credit extension.&#160;&#160;The carrying amount and fair value of the Corporation's standby letters of credit at December 31, 2012 was not significant.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation has an executive severance agreement with its President and Chief Executive Officer.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">On February 14, 2011 and April 14, 2011, the Bank received separate settlement demands from representatives of beneficiaries of certain trusts for which the Bank has acted as trustee.&#160;&#160;The settlement demands relate to alleged claims of, among other things, breach of the Bank's fiduciary duties as trustee, including the Bank's alleged failure to adequately diversify the relevant trust portfolios. The beneficiaries seek aggregate damages of up to approximately $27.0 million.&#160;&#160;On September 16, 2011, the beneficiaries objected in the Surrogate's Court of the State of New York, County of Chemung (the "Surrogate's Court") to accountings with respect to the above-mentioned trusts provided by the Bank, based on allegations similar to those offered in the settlement demands.&#160;&#160;The matter remains pending at the Surrogate's Court.&#160;&#160;Although these matters are inherently unpredictable, management will defend against these claims vigorously.&#160;&#160;Management has concluded that it is reasonably possible, but not probable, that the financial position, results of operations or cash flows of the Corporation could be materially adversely affected in any particular period by the unfavorable resolution of these claims, not withstanding any potential recovery under applicable insurance coverage.&#160;&#160;An amount of loss or range of loss cannot be reasonably estimated at this time.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries.&#160;&#160;Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.</div><div style="text-indent: 0pt; display: block;"><br /></div></div> 53101 53101 5310076 5310076 1.00 1.00 1.00 0.01 0.01 10000000 10000000 -1365551 -1543853 668310 <div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">(18)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following is a summary of the accumulated other comprehensive income or loss balance, net of tax:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="4" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance at</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Current Period </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Change</div></td><td valign="bottom" style="padding-bottom: 2px; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance at</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31,</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 64%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 18pt;">Unrealized gains on securities available for sale</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">7,987,055</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">35,735</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">8,022,790</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 64%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 18pt;">Unrealized loss on pension plans and other benefit plans</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(9,428,433</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,401,286</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(10,829,719</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 64%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 18pt;">&#160;&#160;&#160;&#160;&#160;Total</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,441,378</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,365,551</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(2,806,929</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div></div> <div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">COMPREHENSIVE INCOME</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Comprehensive income consists of net income and other comprehensive income.&#160;&#160;Other comprehensive income includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation's defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.</div><div style="text-indent: 0pt; display: block;"><br /></div></div> 9656689 8993902 10770183 <div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">LOAN CONCENTRATIONS</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loan concentrations are considered to exist when there are amounts loaned to a multiple number of borrowers engaged in similar activities which would cause them to be similarly impacted by economic or other conditions.&#160;&#160;The Corporation's concentration policy limits the volume of commercial loans to any one specific industry.&#160;&#160;Specific industries are identified using the North American Industry Classification System ("NAICS") codes.&#160;&#160;The volume of commercial loans, with the exception of commercial mortgages, to any one specific industry is limited to Tier 1 capital plus the allowance for loan losses.&#160;&#160;The volume of commercial mortgages is limited to three times the total of Tier 1 capital plus the allowance for loan losses.</div><div style="text-indent: 0pt; display: block;"><br /></div></div> <div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">(15)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PARENT COMPANY FINANCIAL INFORMATION</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting):</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">BALANCE SHEETS - DECEMBER 31</div></td><td align="right" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="padding-bottom: 2px;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div></td></tr><tr><td align="left" valign="bottom"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Assets:</div></td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" colspan="2" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Cash on deposit with subsidiary bank</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,788,169</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,122,470</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Investment in subsidiary-Chemung Canal Trust Company</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">126,597,837</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">121,462,184</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Investment in subsidiary-CFS Group, Inc.</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">640,229</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">586,431</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Dividends receivable from subsidiary bank</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,141,082</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Securities available for sale, at estimated fair value</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">304,190</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">307,064</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other assets</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,813,162</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,578,311</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Total assets</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">131,143,587</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">127,197,542</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Liabilities and shareholders' equity:</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 76%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Dividends payable</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,141,082</div></td><td align="right" valign="bottom" style="widt