| http://www.w3.org/ns/prov#value | - The ratio of the allowance
for loan losses to total nonperforming assets was 39.94% at December 31, 2012,
compared with 37.93% at September 30, 2012 and 36.36% at December 31, 2011.
Nonperforming assets to loans and other real estate have declined from 7.35%
at December 31, 2011 to 5.52% at December 31, 2012.

The following table reconciles the activity in
|
