text: **Table 7 — Nonperforming Assets (in thousands, except percentages):**
  
  **At December 31,**
  **2000** **2002** **2001** **1999** **1998**
  
  Nonaccrual loans ....................................................... 
  Loans still accruing and past due 90 days or more .. 
  Restructured loans..................................................... 
  Nonperforming loans ........................................ 
  Foreclosed assets ....................................................... 
  Total nonperforming assets............................... 
  As a % of loans and foreclosed assets...................... 
  
  $ 
  
  3,716 
  14 
   - 
  3,730 
   536 
  $ 4,266 
  0.44% 
  
  $ 
  
  3,727 
  66 
   - 
  3,793 
   1,031 
  $ 4,824 
  0.51% 
  
  $ 
  
  3,512 
  34 
   - 
  3,546 
   546 
  $ 4,092 
  0.48% 
  
  $ 
  
  1,389 
  63 
   - 
  1,452 
   637 
  $ 2,089 
  0.26% 
  
  $ 
  
  2,717 
  67 
   - 
  2,784 
   385 
  $ 3,169 
  0.41% 
  
  *Provision and Allowance for Loan Losses*. The allowance for loan losses is the amount deemed by management 
  as of a specific date to be adequate to provide for losses on loans that are deemed uncollectible. Management 
  determines the allowance and the required provision expense by reviewing general loss experiences and the 
  performances of specific credits. The provision for loan losses was $2.4 million for 2002 as compared to $2.0 
  million for 2001 and $2.4 million for 2000. As a percent of average loans, net loan charge-offs were 0.19% during 
  2002, and 0.18% during 2001 and 2000. The allowance for loan losses as a percent of loans was 1.16% as of 
  
  21 