content_image/251983.jpg content_image/251984.jpg content_image/251986.jpg
## NOTES TO FINANCIAL STATEMENTS 

## 5. ALLOWANCE FOR LOAN LOSSES  (Continued) 

The following table shows the loan portfolio allocated by management’s internal risk ratings at December 31, 2011: 

<img src='content_image/251983.jpg'>

The following table shows the loan portfolio allocated by management’s internal risk ratings at December 31, 2010: 

<img src='content_image/251984.jpg'>

The following table shows an aging analysis of the loan portfolio by the time past due at December 31, 2011: 

<img src='content_image/251986.jpg'>

