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## NOTES TO FINANCIAL STATEMENTS 

## 5. ALLOWANCE FOR LOAN LOSSES 

Changes in the allowance for loan and lease losses were as follows: 

<img src='content_image/280550.jpg'>

The following table shows the changes in and allocation of the allowance for loan losses at December 31, 2011 and 2010 and, for the year ended December 31, 2011 by portfolio segment and by impairment methodology: 

<img src='content_image/280551.jpg'>

