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There are a lot of resources out there when it comes to home improvement, so it is hard to know where to turn. This article will provide some tips that will help reduce your stress and get you on a successful path. A beginner's tip for home improvement is to think about what you personally want to accomplish. You'll be adding personal touches whenever you take on a project. A thing to consider before stating a home project is the style and character of your neighborhood. A mini-mansion among a neighborhood of cozy cottages will look out of place. Your remodeling plans should compliment your house and the neighborhood and not clash. Install

 The coverage ratio of allowance for loan losses to nonperforming loans continued to be strong and significantly exceeded 1-to-1 coverage at 248.59 percent as of June 30, 2014, compared to 131.10 percent at March 31, 2014, and 206.50 percent at June 30, 2013. At June 30, 2014, the Company's nonperforming loans were $8.1 million, representing 0.77 percent of total loans. This compares to $15.5 million (1.51 percent of total loans) at March 31, 2014 and $10.8 million (1.06 percent of total loans) at June 30, 2013. Other real estate owned and repossessed assets were $31.6 million at June 30, 2014, compared to $34.1 million at March 31, 2014, and