| http://www.w3.org/ns/prov#value | - The lack of the need for a provision for the current quarter was the result of increased coverage levels for the ratio of allowance for loan losses to nonperforming loans and the ratio of allowance for loan losses to nonaccrual loans and a decrease in both the level of nonperforming assets to loans and other real estate and the level of net charge-offs for the quarter.
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