The Bancorp’s credit quality indicators by loan segment is summarized below for the years indicated. (Dollars in thousands) Consumer Credit Exposure - Credit Risk Profile based On Payment Activity  Residential Real Estate,  Including Home Equity Consumer Loans 2010 2009 2010 2009 Performing............................. $149,892 $180,163 $ 871 $ 1,587 Non-performing .................... 2,989 4,275 3 6 Total................................... $152,881 $184,438 $ 874 $ 1,593 Commercial Real Estate, Construction  & Land Development and Other Dwellings Commercial Participations Purchased Commercial Business Loans  Government Loan Grades 2010 2009 2010 2009 2010 2009 2010 2009 2 Modest Risk........................ $ 31 $ 42 $ – $ – $ 4,724 $ 1,624 $ – $ – 3 Acceptable Risk................... 63,330 63,285 1,473 559 30,549 26,240 10,270 14,384 4 Pass/monitor....................... 78,758 75,500 6,482 19,815 21,131 29,656 – – 5 Special mention (watch)...... 9,817 20,626 6,419 30 2,517 3,832 – – 6 Substandard........................ 11,680 451 14,492 11,873 2,805 1,747 – – 7 Doubtful............................. – 2,550 – – – – – – Total................................. $163,616 $162,454 $ 28,866 $ 32,277 $ 61,726 $ 63,099 $ 10,270 $ 14,384 (Dollars in thousands) Corporate Credit Exposure - Credit Risk Portfolio By Creditworthiness Category 30