Condensed & Consolidated Income Statements years ended December 31 INTEREST INCOME Interest and fees on loans Investment income Total Interest Income INTEREST EXPENSE Interest expense - deposits Interest expense - borrowings Total Interest Expense Net Interest Income PROVISION FOR (RECOVERY OF) LOAN LOSSES 2012 $ 2011 4,210,232 268,923 4,479,155 714,395 768,483 1,482,878 2,996,277 (81,707) 3,077,984 $ 3,416,752 403,925 3,820,677 744,774 606,990 1,351,764 2,468,913 370,233 2,098,680 Net Interest Income after Provision for (Recovery of) Loan Losses NONINTEREST INCOME Grant income other income Total Noninterest Income NONINTEREST EXPENSE Program services Management and general services Income tax expense Total Noninterest Expense Net Income Change in accumulated other comprehensive income Change in net assets/net income attributable to non-controlling interest Change in Net Assets $ $ 1,405,758 67,380 1,473,138 2,263,466 1,032,042 233,888 3,529,396 1,021,726 6,438 (7,186) 1,020,978 $ $ 1,131,462 310,292 1,441,754 1,805,331 814,447 291,517 2,911,295 629,139 151,382 (3,160) 777,361 13