content_image/140376.jpg content_image/140377.jpg content_image/140378.jpg
There were no troubled debt restructurings in 2013. The following summarizes troubled debt restructurings, including the type of modifications, during the year ended December 31, 2012 ( in thousands): 

<img src='content_image/140376.jpg'>

During 2013 and 2012, there were no loans modified as troubled debt restructurings within the previous 12 months that have subsequently defaulted. 

## 4. Property and Equipment 

The components of property and equipment consist of the following as of December 31, 2013 and 2012 ( in thousands): 

<img src='content_image/140377.jpg'>

## 5. Deposits 

The components of deposits consist of the following as of December 31, 2013 and 2012 ( in thousands): 

<img src='content_image/140378.jpg'>

