these policies , along with the disclosures presented in the notes to the financial statement and in this discussion , provide information on how significant assets and liabilities are valued in the financial statements and how those values are determined . based on the valuation techniques used and the sensitivity of financial statement amounts to the methods , assumptions , and estimates underlying those amounts , management has determined that the accounting policy with respect to the allowance for credit losses to be the accounting area that requires the most subjective or complex judgments , and , as such , could be most subject to revision as new information becomes available . accordingly , the allowance for credit losses is considered to be a critical accounting policy , along with goodwill and other intangible assets and fair value , as discussed below . the allowance for credit losses represents management 's estimate of credit losses inherent in the loan portfolio as of the balance sheet date . determining the amount of the allowance for credit losses is considered a critical accounting estimate because it requires significant judgment and the use of estimates related to the amount and timing of expected future cash flows on impaired loans , estimated losses on pools of homogeneous loans based on historical loss experience , and consideration of current economic trends and conditions , all of which may be susceptible to significant change . the loan portfolio also represents the largest asset type on the consolidated balance sheets . note 1 to the consolidated financial statements describes the methodology used to determine the allowance for credit losses . a discussion of the factors driving changes in the amount of the allowance for credit losses is included in the provision for credit losses and risk management section of this discussion . 23 goodwill represents the excess of the cost of an acquisition over the fair value of the net assets acquired . other intangible assets represent purchased assets that also lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract , asset or liability . goodwill and other intangible assets are required to be recorded at fair value . determining fair value is subjective , requiring the use of estimates , assumptions and management judgment . goodwill and other intangible assets with indefinite lives are tested at least annually for impairment , usually during the third quarter , or on an interim basis if circumstances dictate . intangible assets that have finite lives are amortized over their estimated useful lives and also are subject to impairment testing . impairment testing requires that the fair value of each of the company 's reporting units be compared to the carrying amount of its net assets , including goodwill . the company 's reporting units were identified based on an analysis of each of its individual operating segments . if the fair value of a reporting unit is less than book value , an expense may be required to write down the related goodwill or purchased intangibles to record an impairment loss . the company measures certain financial assets and liabilities at fair value , with the measurements made on a recurring or nonrecurring basis . significant financial instruments measured at fair value on a recurring basis are investment securities and interest rate caps . impaired loans and other real estate and other assets owned are significant financial instruments measured at fair value on a nonrecurring basis . fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability ( an exit price ) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date . in determining fair value , the company is required to maximize the use of observable inputs and minimize the use of unobservable inputs , reducing subjectivity . recent accounting pronouncements and developments the fasb 's asc became effective on july 1 , 2009. at that date , the codification became fasb 's officially recognized source of authoritative u.s. generally accepted accounting principles ( “ gaap ” ) applicable to all public and non-public non-governmental entities , superseding existing fasb , american institute of certified public accountants ( “ aicpa ” ) , emerging issues task force ( “ eitf ” ) and related literature . rules and interpretive releases of the sec under the authority of federal securities laws are also sources of authoritative gaap for sec registrants . all other accounting literature is considered non-authoritative . the switch to the codification affects the way companies refer to u.s. gaap in financial statements and accounting policies . citing particular content in the codification involves specifying the unique numeric path to the content through the topic , subtopic , section and paragraph structure . note 1 to the consolidated financial statements discusses new accounting policies that the company adopted during 2011 and the expected impact of accounting policies recently issued or proposed but not yet required to be adopted . to the extent the adoption of new accounting standards materially affects our financial condition , results of operations or liquidity , the impacts are discussed in the applicable section ( s ) of this discussion and notes to the consolidated financial statements . results of operations net interest income and net interest margin net interest income remains the most significant component of our earnings . it is the excess of interest and fees earned on total average earning assets ( loans , investment securities , federal funds sold and interest-bearing deposits with other banks ) over interest owed on average interest-bearing liabilities ( deposits and borrowings ) . as shown in the table below , tax-equivalent net interest income for 2011 was $ 40.0 story_separator_special_tag net unrealized holding gains and losses on these securities are reported net of related income taxes as accumulated other comprehensive income , a separate component of stockholders ' equity . investment securities in the held to maturity category are stated at cost adjusted for amortization of premiums and accretion of discounts . we have the intent and current ability to hold such securities until maturity . at december 31 , 2011 , 95 % of the portfolio was classified as available for sale and 5 % as held to maturity , compared to 94 % and 6 % , respectively , at december 31 , 2010 and 92 % and 8 % , respectively , at december 31 , 2009. the percentage of securities designated as available for sale reflects the amount needed to support our anticipated growth and liquidity needs . with the exception of municipal securities , our general practice is to classify all newly-purchased securities as available for sale . investment securities available for sale were $ 129.8 million at the end of 2011 and $ 99.1 million at the end of 2010. investment securities available for sale increased $ 30.7 million , or 31.0 % , in 2011 , much higher than the $ 1.5 million , or 1.5 % , in 2010. the larger increase in investment securities available for sale reflected that there were more funds available for investing in securities than were needed for funding loans during 2011 than in 2010. at year-end 2011 , 32.5 % of the securities in the portfolio were u.s. government agencies and 67.1 % of the securities were mortgage-backed securities , compared to 59.5 % and 40.0 % , respectively , at year-end 2010 , reflecting a shift in the composition of the portfolio to higher-yielding mortgage-backed securities . our investments in mortgage-backed securities are issued or guaranteed by u.s. government agencies or government-sponsored agencies . investment securities held to maturity , consisting primarily of tax-exempt municipal bonds , totaled $ 6.5 million at december 31 , 2011 , compared to $ 6.7 million at december 31 , 2010 and $ 8.9 million at december 31 , 2009. the balance continues to decline because there were only maturities and no purchases of investment securities held to maturity during 2011 and 2010. we do not typically invest in structured notes or other derivative securities . the following table sets forth the maturities and weighted average yields of the bond investment portfolio as of december 31 , 2011. replace_table_token_15_th 1 yields adjusted to reflect a tax equivalent basis assuming a federal tax rate of 34.0 % . loans during 2011 , loans declined when compared to the prior year because fewer high-quality loan opportunities and historically high levels of loan charge-offs continued to deter loan growth . loans , net of unearned income , totaled $ 841.1 million at december 31 , 2011 , a decrease of $ 54.4 million , or 6.1 % , from 2010. loans decreased $ 21.2 million , or 2.3 % , in 2010 when compared to 2009. most of our loans are secured by real estate . real estate loans are classified as construction , residential or commercial real estate loans . total real estate loans decreased $ 39.5 million , or 5.0 % , from year-end 2010 to year-end 2011. most of the decrease in real estate loans was due to a decline in construction loans of $ 24.1 million , or 16.7 % . commercial loans , which include financial and agricultural loans , decreased $ 13.3 million , or 16.1 % , and consumer loans , a small percentage of the overall loan portfolio , decreased $ 1.6 million , or 9.6 % , from the end of 2010 to the end of 2011. at the end of 2010 , real estate loans decreased by $ 8.9 million , or 1.1 % , commercial loans decreased $ 9.0 million , or 9.8 % , and consumer loans decreased $ 3.3 million or , 17.1 % , when compared to the end of 2009. at december 31 , 2011 , 56.6 % of the loan portfolio had fixed interest rates and 43.4 % had adjustable interest rates . at december 31 , 2011 and 2010 , there were no loans held for sale . we do not engage in foreign or subprime lending activities . 29 the table below sets forth trends in the composition of the loan portfolio over the past five years ( including net deferred loan fees/costs ) . replace_table_token_16_th the table below sets forth the maturities and interest rate sensitivity of the loan portfolio at december 31 , 2011. replace_table_token_17_th deposits we use core deposits primarily to fund loans and to purchase investment securities . total deposits increased $ 30.4 million from $ 979.5 million at december 31 , 2010 to $ 1.010 billion at december 31 , 2011. the increase in noninterest-bearing demand ( $ 9.6 million ) , interest-bearing demand ( $ 33.6 million ) , and money market and savings deposits ( $ 13.7 million ) more than offset the decrease in time deposits ( $ 26.5 million ) , primarily in certificates of deposit of $ 100,000 or more ( $ 20.1 million ) . average deposits increased $ 11.7 million , or 1.2 % , in 2011 , compared to a 3.2 % increase in 2010. the majority of the average deposit growth was in interest-bearing demand deposits , followed by noninterest-bearing deposits , and money market and savings deposits which increased in aggregate by $ 31.9 million , or 6.3 % . average time deposits decreased $ 20.1 million , or 4.3 % , during 2011 mainly due to a reduction in rates to reflect current market conditions , a reduction in the company 's liquidity needs , and a shift in customer investment needs . as with 2010 , average time deposits also declined because some of our largest customers

liquidity management liquidity describes our ability to meet financial obligations that arise during the normal course of business . liquidity is primarily needed to meet the borrowing and deposit withdrawal requirements of customers and to fund current and planned expenditures . liquidity is derived through increased customer deposits , maturities in the investment portfolio , loan repayments and income from earning assets . to the extent that deposits are not adequate to fund customer loan demand , liquidity needs can be met in the short-term funds markets . we have arrangements with correspondent banks whereby we have $ 15.5 million available in federal funds lines of credit and a reverse repurchase agreement available to meet any short-term needs which may not otherwise be funded by the banks ' portfolio of readily marketable investments that can be converted to cash . the banks are also members of the fhlb , which provides another source of liquidity , and had credit availability of approximately $ 31.6 million from the fhlb as of december 31 , 2011. further information is provided in note 19 to the consolidated financial statements . at december 31 , 2011 , our loan to deposit ratio was approximately 83.3 % , which represents a more liquid position thanthe 91.4 % and 92.5 % at year-end 2010 and 2009 , respectively .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```liquidity management liquidity describes our ability to meet financial obligations that arise during the normal course of business . liquidity is primarily needed to meet the borrowing and deposit withdrawal requirements of customers and to fund current and planned expenditures . liquidity is derived through increased customer deposits , maturities in the investment portfolio , loan repayments and income from earning assets . to the extent that deposits are not adequate to fund customer loan demand , liquidity needs can be met in the short-term funds markets . we have arrangements with correspondent banks whereby we have $ 15.5 million available in federal funds lines of credit and a reverse repurchase agreement available to meet any short-term needs which may not otherwise be funded by the banks ' portfolio of readily marketable investments that can be converted to cash . the banks are also members of the fhlb , which provides another source of liquidity , and had credit availability of approximately $ 31.6 million from the fhlb as of december 31 , 2011. further information is provided in note 19 to the consolidated financial statements . at december 31 , 2011 , our loan to deposit ratio was approximately 83.3 % , which represents a more liquid position thanthe 91.4 % and 92.5 % at year-end 2010 and 2009 , respectively .
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 Suspicious Activity Report : these policies , along with the disclosures presented in the notes to the financial statement and in this discussion , provide information on how significant assets and liabilities are valued in the financial statements and how those values are determined . based on the valuation techniques used and the sensitivity of financial statement amounts to the methods , assumptions , and estimates underlying those amounts , management has determined that the accounting policy with respect to the allowance for credit losses to be the accounting area that requires the most subjective or complex judgments , and , as such , could be most subject to revision as new information becomes available . accordingly , the allowance for credit losses is considered to be a critical accounting policy , along with goodwill and other intangible assets and fair value , as discussed below . the allowance for credit losses represents management 's estimate of credit losses inherent in the loan portfolio as of the balance sheet date . determining the amount of the allowance for credit losses is considered a critical accounting estimate because it requires significant judgment and the use of estimates related to the amount and timing of expected future cash flows on impaired loans , estimated losses on pools of homogeneous loans based on historical loss experience , and consideration of current economic trends and conditions , all of which may be susceptible to significant change . the loan portfolio also represents the largest asset type on the consolidated balance sheets . note 1 to the consolidated financial statements describes the methodology used to determine the allowance for credit losses . a discussion of the factors driving changes in the amount of the allowance for credit losses is included in the provision for credit losses and risk management section of this discussion . 23 goodwill represents the excess of the cost of an acquisition over the fair value of the net assets acquired . other intangible assets represent purchased assets that also lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract , asset or liability . goodwill and other intangible assets are required to be recorded at fair value . determining fair value is subjective , requiring the use of estimates , assumptions and management judgment . goodwill and other intangible assets with indefinite lives are tested at least annually for impairment , usually during the third quarter , or on an interim basis if circumstances dictate . intangible assets that have finite lives are amortized over their estimated useful lives and also are subject to impairment testing . impairment testing requires that the fair value of each of the company 's reporting units be compared to the carrying amount of its net assets , including goodwill . the company 's reporting units were identified based on an analysis of each of its individual operating segments . if the fair value of a reporting unit is less than book value , an expense may be required to write down the related goodwill or purchased intangibles to record an impairment loss . the company measures certain financial assets and liabilities at fair value , with the measurements made on a recurring or nonrecurring basis . significant financial instruments measured at fair value on a recurring basis are investment securities and interest rate caps . impaired loans and other real estate and other assets owned are significant financial instruments measured at fair value on a nonrecurring basis . fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability ( an exit price ) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date . in determining fair value , the company is required to maximize the use of observable inputs and minimize the use of unobservable inputs , reducing subjectivity . recent accounting pronouncements and developments the fasb 's asc became effective on july 1 , 2009. at that date , the codification became fasb 's officially recognized source of authoritative u.s. generally accepted accounting principles ( “ gaap ” ) applicable to all public and non-public non-governmental entities , superseding existing fasb , american institute of certified public accountants ( “ aicpa ” ) , emerging issues task force ( “ eitf ” ) and related literature . rules and interpretive releases of the sec under the authority of federal securities laws are also sources of authoritative gaap for sec registrants . all other accounting literature is considered non-authoritative . the switch to the codification affects the way companies refer to u.s. gaap in financial statements and accounting policies . citing particular content in the codification involves specifying the unique numeric path to the content through the topic , subtopic , section and paragraph structure . note 1 to the consolidated financial statements discusses new accounting policies that the company adopted during 2011 and the expected impact of accounting policies recently issued or proposed but not yet required to be adopted . to the extent the adoption of new accounting standards materially affects our financial condition , results of operations or liquidity , the impacts are discussed in the applicable section ( s ) of this discussion and notes to the consolidated financial statements . results of operations net interest income and net interest margin net interest income remains the most significant component of our earnings . it is the excess of interest and fees earned on total average earning assets ( loans , investment securities , federal funds sold and interest-bearing deposits with other banks ) over interest owed on average interest-bearing liabilities ( deposits and borrowings ) . as shown in the table below , tax-equivalent net interest income for 2011 was $ 40.0 story_separator_special_tag net unrealized holding gains and losses on these securities are reported net of related income taxes as accumulated other comprehensive income , a separate component of stockholders ' equity . investment securities in the held to maturity category are stated at cost adjusted for amortization of premiums and accretion of discounts . we have the intent and current ability to hold such securities until maturity . at december 31 , 2011 , 95 % of the portfolio was classified as available for sale and 5 % as held to maturity , compared to 94 % and 6 % , respectively , at december 31 , 2010 and 92 % and 8 % , respectively , at december 31 , 2009. the percentage of securities designated as available for sale reflects the amount needed to support our anticipated growth and liquidity needs . with the exception of municipal securities , our general practice is to classify all newly-purchased securities as available for sale . investment securities available for sale were $ 129.8 million at the end of 2011 and $ 99.1 million at the end of 2010. investment securities available for sale increased $ 30.7 million , or 31.0 % , in 2011 , much higher than the $ 1.5 million , or 1.5 % , in 2010. the larger increase in investment securities available for sale reflected that there were more funds available for investing in securities than were needed for funding loans during 2011 than in 2010. at year-end 2011 , 32.5 % of the securities in the portfolio were u.s. government agencies and 67.1 % of the securities were mortgage-backed securities , compared to 59.5 % and 40.0 % , respectively , at year-end 2010 , reflecting a shift in the composition of the portfolio to higher-yielding mortgage-backed securities . our investments in mortgage-backed securities are issued or guaranteed by u.s. government agencies or government-sponsored agencies . investment securities held to maturity , consisting primarily of tax-exempt municipal bonds , totaled $ 6.5 million at december 31 , 2011 , compared to $ 6.7 million at december 31 , 2010 and $ 8.9 million at december 31 , 2009. the balance continues to decline because there were only maturities and no purchases of investment securities held to maturity during 2011 and 2010. we do not typically invest in structured notes or other derivative securities . the following table sets forth the maturities and weighted average yields of the bond investment portfolio as of december 31 , 2011. replace_table_token_15_th 1 yields adjusted to reflect a tax equivalent basis assuming a federal tax rate of 34.0 % . loans during 2011 , loans declined when compared to the prior year because fewer high-quality loan opportunities and historically high levels of loan charge-offs continued to deter loan growth . loans , net of unearned income , totaled $ 841.1 million at december 31 , 2011 , a decrease of $ 54.4 million , or 6.1 % , from 2010. loans decreased $ 21.2 million , or 2.3 % , in 2010 when compared to 2009. most of our loans are secured by real estate . real estate loans are classified as construction , residential or commercial real estate loans . total real estate loans decreased $ 39.5 million , or 5.0 % , from year-end 2010 to year-end 2011. most of the decrease in real estate loans was due to a decline in construction loans of $ 24.1 million , or 16.7 % . commercial loans , which include financial and agricultural loans , decreased $ 13.3 million , or 16.1 % , and consumer loans , a small percentage of the overall loan portfolio , decreased $ 1.6 million , or 9.6 % , from the end of 2010 to the end of 2011. at the end of 2010 , real estate loans decreased by $ 8.9 million , or 1.1 % , commercial loans decreased $ 9.0 million , or 9.8 % , and consumer loans decreased $ 3.3 million or , 17.1 % , when compared to the end of 2009. at december 31 , 2011 , 56.6 % of the loan portfolio had fixed interest rates and 43.4 % had adjustable interest rates . at december 31 , 2011 and 2010 , there were no loans held for sale . we do not engage in foreign or subprime lending activities . 29 the table below sets forth trends in the composition of the loan portfolio over the past five years ( including net deferred loan fees/costs ) . replace_table_token_16_th the table below sets forth the maturities and interest rate sensitivity of the loan portfolio at december 31 , 2011. replace_table_token_17_th deposits we use core deposits primarily to fund loans and to purchase investment securities . total deposits increased $ 30.4 million from $ 979.5 million at december 31 , 2010 to $ 1.010 billion at december 31 , 2011. the increase in noninterest-bearing demand ( $ 9.6 million ) , interest-bearing demand ( $ 33.6 million ) , and money market and savings deposits ( $ 13.7 million ) more than offset the decrease in time deposits ( $ 26.5 million ) , primarily in certificates of deposit of $ 100,000 or more ( $ 20.1 million ) . average deposits increased $ 11.7 million , or 1.2 % , in 2011 , compared to a 3.2 % increase in 2010. the majority of the average deposit growth was in interest-bearing demand deposits , followed by noninterest-bearing deposits , and money market and savings deposits which increased in aggregate by $ 31.9 million , or 6.3 % . average time deposits decreased $ 20.1 million , or 4.3 % , during 2011 mainly due to a reduction in rates to reflect current market conditions , a reduction in the company 's liquidity needs , and a shift in customer investment needs . as with 2010 , average time deposits also declined because some of our largest customers

