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## Impaired loans 

The following table presents details related to the Company’s impaired loans. Loans which have been fully charged-off do not appear in the following table. The related allowance generally represents the following components which correspond to impaired loans: 

• Individually evaluated impaired loans equal to or greater than $500,000 secured by real estate (nonaccrual construction and land development, commercial real estate, and residential real estate loans). 

• Individually evaluated impaired loans equal to or greater than $250,000 not secured by real estate (nonaccrual commercial and industrial and consumer loans). 

The following table sets forth certain information regarding the Company’s impaired loans that were individually evaluated for impairment at December 31, 2011 and 2010. 

<img src='content_image/291052.jpg'>

